CSS Zahnpflegeversicherung 75%, max. CHF 2000 vs. KPT Zahn-Zusatzversicherung LK 3: benefits compared
Direct comparison of CSS Zahnpflegeversicherung 75%, max. CHF 2000 and KPT Zahn-Zusatzversicherung LK 3 in 2 categories. All values come from the policy terms and are backed by their source.
CSS Zahnpflegeversicherung 75%, max. CHF 2000 is better on 1 features, KPT Zahn-Zusatzversicherung LK 3 on 2; both are equal on 3.
- CSS Zahnpflegeversicherung 75%, max. CHF 2000
- KPT Zahn-Zusatzversicherung LK 3
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Dental care
Contract terms
| Feature | CSS Zahnpflegeversicherung 75%, max. CHF 2000 | KPT Zahn-Zusatzversicherung LK 3 | Result |
|---|---|---|---|
| Minimum contract duration in years | 3Source: AVB Zahnpflegeversicherung, Ausgabe 01.2026, edition 2027, p. 2 | 1Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | KPT Zahn-Zusatzversicherung LK 3 better |
| Cancellation notice in months | 3 monthsSource: AVB Zahnpflegeversicherung, Ausgabe 01.2026, edition 2027, p. 2 | 3 monthsSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | equal |
| Insurer does not cancel after a claim | YesSource: AVB Zahnpflegeversicherung, Ausgabe 01.2026, edition 2027, p. 2 | YesSource: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 2 | equal |
| No-claims bonus | YesSource: ZB Zahnpflegeversicherung (75%, max. CHF 2000), Ausgabe 01.2013, edition 2027, p. 2 | No verified information | not comparable |
| Family discount | YesSource: AVB Zahnpflegeversicherung, Ausgabe 01.2026, edition 2027, p. 4 | No verified information | not comparable |
| Upgrade without a health check | YesSource: ZB Zahnpflegeversicherung (75%, max. CHF 2000), Ausgabe 01.2013, edition 2027, p. 2 | No verified information | not comparable |
| Accident cover included | YesSource: ZB Zahnpflegeversicherung (75%, max. CHF 2000), Ausgabe 01.2013, edition 2027, p. 2 | No verified information | not comparable |
| Overall annual cap | CHF 2’000Source: ZB Zahnpflegeversicherung (75%, max. CHF 2000), Ausgabe 01.2013, edition 2027, p. 1 | No verified information | not comparable |
| Prerequisite | Supplementary to basic insurance under KVG; CSS pays after other corresponding benefits insured with CSS.Source: AVB Zahnpflegeversicherung, Ausgabe 01.2026, edition 2027, p. 2 | No verified information | not comparable |
| Premium and age | Premiums may be adjusted when entering a higher tariff age group (5-year bands from 0-18 up to 66+); entering a higher group gives a right to cancel.Source: AVB Zahnpflegeversicherung, Ausgabe 01.2026, edition 2027, p. 3 | Premium is tariffed by age; age bands 0-5, 6-10, 11-18, 19-25, then 5-year bands up to 61-65 and 66+; change on 1 January of the year the age is reached.Source: Besondere Bedingungen Zahn-Zusatzversicherung, edition 2027, p. 2 | not comparable |
| Notable exclusions | No benefits for orthodontics or tooth bleaching; prosthetics capped at CHF 1000 and paid only from second insurance year; without dental certificate all benefits only from second year.Source: ZB Zahnpflegeversicherung (75%, max. CHF 2000), Ausgabe 01.2013, edition 2027, p. 2 | Treatments abroad, pre-existing conditions, cosmetic treatments and ineffective or uneconomic treatments are excluded.Source: AVB für die Zusatzversicherungen nach VVG, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.