CSS Zahnpflegeversicherung 75%, max. CHF 5000 vs. KPT Zahn-Zusatzversicherung LK 4: benefits compared
Direct comparison of CSS Zahnpflegeversicherung 75%, max. CHF 5000 and KPT Zahn-Zusatzversicherung LK 4 in 2 categories. All values come from the policy terms and are backed by their source.
CSS Zahnpflegeversicherung 75%, max. CHF 5000 is better on 1 features, KPT Zahn-Zusatzversicherung LK 4 on 1; both are equal on 3.
- CSS Zahnpflegeversicherung 75%, max. CHF 5000
- KPT Zahn-Zusatzversicherung LK 4
- Compare with other products
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Dental care
| Feature | CSS Zahnpflegeversicherung 75%, max. CHF 5000 | KPT Zahn-Zusatzversicherung LK 4 | Result |
|---|---|---|---|
| Coverage (percent) | 75%Source: Produktblatt Zahnpflegeversicherung (Variantenuebersicht), edition 2027, p. 2 | 75%Source: Besondere Bedingungen Zahn-Zusatzversicherung, edition 2027, p. 1 | equal |
| Annual cap | CHF 5’000Source: Produktblatt Zahnpflegeversicherung (Variantenuebersicht), edition 2027, p. 2 | CHF 2’000Source: Besondere Bedingungen Zahn-Zusatzversicherung, edition 2027, p. 1 | CSS Zahnpflegeversicherung 75%, max. CHF 5000 better |
| Waiting period in months | 6 monthsSource: AVB Zahnpflegeversicherung, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Dental deductible | CHF 500Source: Produktblatt Zahnpflegeversicherung (Variantenuebersicht), edition 2027, p. 2 | No verified information | not comparable |
| Dental treatment abroad | Not coveredSource: AVB Zahnpflegeversicherung, Ausgabe 01.2026, edition 2027, p. 3 | No verified information | not comparable |
| Orthodontics for children | No verified information | YesSource: Besondere Bedingungen Zahn-Zusatzversicherung, edition 2027, p. 1 | not comparable |
| Orthodontics up to age | No verified information | 20Source: Besondere Bedingungen Zahn-Zusatzversicherung, edition 2027, p. 1 | not comparable |
Contract terms
| Feature | CSS Zahnpflegeversicherung 75%, max. CHF 5000 | KPT Zahn-Zusatzversicherung LK 4 | 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 4 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 5’000Source: 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; 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 | 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 | 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.