CSS Zahnpflegeversicherung 75%, max. CHF 3000 vs. KPT Zahn-Zusatzversicherung LK 5: benefits compared
Direct comparison of CSS Zahnpflegeversicherung 75%, max. CHF 3000 and KPT Zahn-Zusatzversicherung LK 5 in 2 categories. All values come from the policy terms and are backed by their source.
CSS Zahnpflegeversicherung 75%, max. CHF 3000 is better on 1 features, KPT Zahn-Zusatzversicherung LK 5 on 2; both are equal on 3.
- CSS Zahnpflegeversicherung 75%, max. CHF 3000
- KPT Zahn-Zusatzversicherung LK 5
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Dental care
Contract terms
| Feature | CSS Zahnpflegeversicherung 75%, max. CHF 3000 | KPT Zahn-Zusatzversicherung LK 5 | 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 5 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 |
| Family discount | YesSource: AVB Zahnpflegeversicherung, Ausgabe 01.2026, edition 2027, p. 4 | No verified information | not comparable |
| Overall annual cap | CHF 3’000Source: Produktblatt Zahnpflegeversicherung (Variantenuebersicht), edition 2027, p. 2 | 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; LK 5 age bands: 0-18, 19-25, 26+; change on 1 January of the year the age is reached.Source: Besondere Bedingungen Zahn-Zusatzversicherung, edition 2027, p. 2 | not comparable |
| Notable exclusions | Prosthetic treatments (crowns, bridges, dentures) are paid only from the second insurance year; abroad benefits only if return to Switzerland is unreasonable.Source: AVB Zahnpflegeversicherung, Ausgabe 01.2026, edition 2027, p. 3 | Covers only orthodontic corrections, no general dental treatment; treatments abroad, pre-existing conditions and cosmetic treatments are excluded.Source: Besondere Bedingungen Zahn-Zusatzversicherung, edition 2027, p. 1 | not comparable |
Information only, not advice, no guarantee. The insurers' own documents are authoritative.