Best Dental Insurance In Portugal [Ultimate 2022 English Guide]

A good smile can open multiple doors of opportunities for you. But to obtain that smile, you need to take care of your dental health and get the best possible dental insurance. If you are planning to move to Portugal anytime soon, then it is the right time to figure out how you will get your hands on the best dental insurance possible in the country. 

You need to find a dental insurance company that will fit your exact Nation requirements so you don’t have to worry about it once you have moved to Portugal. The truth is that a dentist is quite expensive sometimes, and that is why you need to be careful about it because it is going to impact your budget to a great extent. 

Taking care of your teeth is very important; if you don’t take them seriously, you will have to face many consequences. You must collect all the information about the cost and selection of the best dental insurance in Portugal.

This post will discuss all you need to know about the best dental insurance in Portugal and provide you with an ultimate guide.

What Is Better? Portuguese Dental Insurance Or Health Insurance That Comprises Dental Coverage?

Sometimes if you are getting held insurance, it will also have dental coverage, saving a lot of money. However, you should be careful because this will provide you with very few treatments for your teeth, and the cost will also be a lot. Most traditional Health Insurance is not going to cover your dental insurance, so you should keep that in your mind before going for this option. 

When looking for the best value for your money, you can take out dental insurance separately from your all Health Insurance. According to the Portuguese association for consumer protection, you must check it out before getting dental insurance when you are in the country. This will ensure that you get access to more dental treatments and will not have to pay a lot of money. It is the situation and many benefits to getting Portuguese dental insurance.

Let’s take a look at the advantages that you are going to get when you get access to Portuguese dental insurance from a well-known company in Portugal:

• No age limit
• No waiting time
• Dental coverage renewal
• Physical examination is not necessary
• No limit on the capital

Dental Insurance Pricing In Portugal

The price you have to pay for dental insurance in the country will depend upon the insurer you select. Many other factors will determine the price you have to pay, such as the number of people covered by the specific policy you are getting and what kind of payment method you will use. 

However, the base amount that you should keep in your mind is anything between 80 and 200 euros annually. If you want the best dental insurance possible in Portugal, it will cost you around 10 euros monthly.

Coverage Of Dental Insurance In Portugal

Getting dental insurance for your entire family in Portugal can be a problem if you are tight on budget and cannot afford the more fixed costs. In such a situation, you need to evaluate and consider whether it will be the right choice for you. If you have children in your family, you cannot eliminate dental insurance because your children will require dental treatment from time to time. 

When they are going to be teenagers, they need braces or any other dental treatments, and that is why it is always the best choice to have dental insurance to provide you coverage in such situations. If you want to make sure whether you need dental insurance for your family or not, then you need to ask yourself these questions:

1. Does any of your family members require dental check-ups?

2. Do you or your family visit a member more than five times annually?

3. Are you or any other family member going to need a treatment that costs a lot anytime soon?

An important aspect to remember is that the tax benefits you get with health insurance have been reduced. This regulation was implemented in 2012 and is still implemented today. When trying to get dental insurance in Portugal, you will be given a discount card that you can present and get benefits when you are paying dental insurance at the Dental Insurance Company. 

You have to pay a certain percentage for dental treatment without insurance. The discount chart is given to you, and then you have to agree on that annually. This contract is made with the insurance company or the dental clinic of your choice, where you will get the treatment done for yourself and your family members residing in Portugal. However, it is essential to remember that the co-payment depends on the insurer.

Recommendations For Dental Insurance In Portugal

Here are the recommendations for purchasing any dental insurance in Portugal. Take a look below.

1. Before getting a consultation done, check which clinics in the area agree with the insurance company of your choice. Don’t forget to inform them that you are a specific insurance company’s client.

 2. Analyse the insurance company network list. You can easily find that on their website online and then check the price list.

 3. Don’t forget to bring your dental insurance card with you on the day of the appointment. You have to make the payment for the dental treatment that you are getting.

How To Choose A Dental Insurance Company In Portugal?

It is challenging to choose a specific dental insurance company in Portugal quickly because it can be overwhelming sometimes due to the abundantly available options. However, there are still some factors that you can consider and keep in your mind to make the best choice possible and get the best dental insurance company in Portugal. 

Let’s look at the factors of consideration for choosing the best dental insurance company in Portugal below.

Keep The Cost Of Dental Insurance In Mind

Before choosing a particular dental insurance company, check if they are costly. It is primarily available on their website, and you can check the price you have to pay for dental insurance from a particular company. Only choose the policies you can afford, which will differ depending on your chosen company. 

Some companies offer you an option to pay monthly, and some allow you to pay annually. Only select the payment method you are comfortable with and a new one you can easily afford within your budget. Be careful about this factor and choose after careful consideration because you don’t want to be in trouble anytime later.

Get A Dentist’s Examination Done

Before choosing a specific dental insurance company, you must get a dental examination. But for that, you should only visit the dentist you can trust, and you must know that they will not scam you at all. Get yourself thoroughly examined so that you can understand the dental problems that you have right now. 

Do the same for all of your family members, and then you will be able to know how much you will have to spend for your dental treatment and whether getting dental insurance is going to be the right option for you or not. This is a very important thing you need to do because it will give you an inside about your exact dental needs, and then you can discuss that later on with your dental Insurance Company. 

This way, you will not have to face any coverage problems, and you can make the best choice of a dental Insurance Company depending upon the preferences they are providing you along with the policies and treatment options. This is the best way to choose a great dental Insurance Company according to your needs and requirements in Portugal.

Analyze Different Types Of Dental Insurance Coverage

Different types of dental insurance coverage are available depending on your chosen company. This will ensure you get the coverage you want for your dental treatment. Once you find out the range, you need a new can check which insurance company is providing the coverage. Some insurance companies will provide you with a policy of only cleaning and Restoring your teeth. 

They will not provide you with an option of surgery, and then you can be in trouble in the future if you require dental surgery because your insurance plan will not cover it. That is why it is essential to get a dental examination done and choose the coverage option that suits you. If a dental insurance company provides you coverage for surgery and dental implants, it will be expensive, and you will have to pay the price for it. 

If you feel like you need any major dental surgery or prostheses in the future, then it is best to choose such type of dental insurance coverage to save money.

Refunds And Discounts By The Dental Insurer

Every dental insurance company has a different policy; you need to keep that in mind when choosing a particular Insurance Company for yourself and your family residing in Portugal. All of these companies offer discounts at a certain percentage. Before selecting a specific dental insurance company, it is essential to look at the number of discounts available for you and whether they provide you with a refund or not. 

Doing this will be very convenient for you in the long run, and you will be able to get the type of treatment you need in the future quickly.

Take A Look At The Insurance Dentist Network

Every insurance company has its network of clinics and dentists. The same is the case in Portugal; they will connect you with a network of dentists. Take a look at their Network and whether it is suitable for you or not and how much you will have to pay for that in the future. However, you can contact a dental professional not part of a specific insurance company’s network. 

The reimbursement will be offered to you by the dental insurance company of your choice in Portugal. If you don’t live in an urban area in Portugal, it can be challenging to find the best network partner that will be included in the policy. However, if you live in a big city like Lisbon, it will not be a problem for you in Portugal, and you can take full advantage of dental insurance for yourself and your family in the long run. Before choosing a particular dental insurance company, consider and keep this factor in your mind before getting dental insurance.

Getting Dental Insurance For Your Family Members In Portugal

There are dental insurance companies available in Portugal. They will allow you to connect your family members and children with a policy without financial compensation or obligation. You can get dental coverage for your other family members as well. When you are getting dental insurance for your family members in Portugal, the amount per person is reduced to a great extent, and then you can take full benefit of the dental insurance.

Conclusion

Dental insurance is worth your money, so it is essential to take it seriously. You will get many benefits to take care of your oral health and get insurance for it when you are in Portugal with your family. Dental treatment can be costly without any coverage if you don’t get dental insurance. So if you are someone who does not have a lot of money, then you need to get dental insurance so that you can have every type of coverage in case of an emergency. 

Depending on your chosen company, you have to pay for dental insurance every month or year. Dental insurance will significantly reduce the cost of visiting a dentist, and you can avoid all significant oral health issues, such as cavities. Some dental insurance companies in Portugal also provide coverage for major dental surgeries. It will save you a lot of money and keep you out of trouble. 

You might feel like you don’t need oral health coverage right now, but toothache or any other oral health issue can occur suddenly, and then it will leave you very much if you don’t have any coverage. You can pay for dental health insurance annually and then get a Quick appointment with a dentist to resolve your problem immediately in Portugal.