Dental insurance

Treatments at the dentist and oral hygienist are covered by our dental insurances. These costs are not covered under the basic insurance for those over the age of 18. Dental costs for children younger than 18 are covered by basic insurance.


We offer 5 dental insurances

You can visit a dentist, oral hygienist, dental surgeon and clinical dental technician.
The more stars, the higher the maximum reimbursement per year.
Medical acceptance applies to dental insurance 3 and 4 stars.

Tand Basis

  • Assessment + dental cleaning
  • Small dental filling or tooth extraction

1 star

€ 250 per year

€ 12.25

2 stars

€ 500 per year

€ 18.25

3 stars

€ 1000 per year

€ 30.95

4 stars

€ 1250 per year

€ 48.95


Discount on your insurance premium via your employer?

Zilveren Kruis is the leading collective healthcare insurer. More than 15,000 employers have arranged collective healthcare insurance with us for their employees.
We also have collective insurances for sports associations and member organizations.

Advantages of collective healthcare insurance:

  • Discount on your premium for your partner and children as well
  • Often extra reimbursements

Find a collective

Learn more about collective insurances



Dental insurance for children younger than 18

  • Dental costs are covered by basic insurance
  • For a reimbursement for orthodontics, one of the parents must have 3 or 4 star supplementary insurance

Dental insurance for those over the age of 18

  • You need dental insurance for dental reimbursements
  • Orthodontic treatment is only covered in exceptional cases

Dental insurance: what is and isn't covered?

What is covered


  • Consultations (C-codes)
  • Second opinion
  • Oral hygiene (M-codes)
  • Fillings (V-codes)
  • Extraction of teeth and molars by the dentist (H-codes)


  • Other forms of dental treatment
     (100% bij dental insurance 4 stars)

What isn't covered

  • Orthodontic treatments
  • Treatment treatment by a dental technician
  • Costs for an examination report (C70 and C75)
  • Missed or forgotten dental appointment (C90)
  • Exterior bleaching of teeth and molars (E97, E98 and E00)
  • Subscriptions
  • Mandibular advancement device, diagnosis and positioning device, diagnosis and aftercare
  • Dental statement

Orthodontic treatment up to the age of 18 is not covered by the dental insurance.
You need supplementary insurance 3 stars for that.
View the reimbursements (in Dutch only).

Frequently asked questions

No, the excess doesn't apply to the dental insurance. The dental insurance doesn't always cover costs 100%. View all reimbursements (in Dutch only) for the different kinds of dental care.                
Yes, medical underwriting applies to the dental insurance with 3 and 4 stars. We'll ask some questions about the condition of the teeth of the applicant. Should considerable dental care be needed, we unfortunately can't offer these policies. When you take out dental insurance, then we'll aske the same questions. Would you like to know what these questions are? Then find out what they are via application form.

Calculate your premium
Yes, you will receive discount on your dental insurance premium. The level of discount depends on the collective scheme. Find your possible collective advantages in our collective search tool (Zorgzoeker) (in Dutch only).                
That depends. Do you frequently have high dental costs, then is wise to take out dental insurance. It is not advisable to take out dental insurance if you have a strong and healthy teeth.

Do you only have dental check-ups once or twice a year? You never have any problems?
You could consider not to take out additional insurance. A check-up costs € 20.52. This is often not in relation with the annual costs you have to pay for dental insurance.

It is after all your personal choice. On our website you can find what reimbursements you can get. Vergoedingen (in Dutch only).
That will help you to find your best suitable insurance and whether or not extra coverage beneficial.
Up to the age of 18, dental care is covered under the basic insurance. Are you over the age of 18, then supplementary insurance covers up to maximum € 10,000 per accident. Find in our overview of benefits (in Dutch only) everything about the reimbursement of dental care after an accident.