Submit hardship application to the health insurance company
Anyone who cannot afford the new dentures and has received a shock after learning how little the health insurance company is contributing to the costs can apply for a hardship case. In the following you will find out how this works and what you have to pay attention to.
Dentures often trigger significant costs by the Health insurance are only paid pro rata. However, if you earn very little money, you may be able to apply for a hardship case and thus receive more support from the health insurance company.
How to submit a hardship application to the health insurance company
- You should know in advance that the health insurance company pays a fixed allowance for the high dental prosthesis costs. Unfortunately, this is significantly lower than the cost of dentures. However, if you earn too little to pay for the dentures, you should file a hardship application.
- To submit a hardship application, your gross monthly income must be less than 994 euros. If this is the case, it is called a dentures hardship case.
- If you do not live alone and if the gross income of your relative and your total income does not exceed 1,366.75 euros, there is also a hardship case. Each family member with whom you live together with an additional 248.50 euros will be added. First, check your gross income and that of your relative if you are not living alone.
- If it is below the stated amount, request the documents for the hardship application from your health insurance company.
- You must then enclose the cost estimate from your treating dentist, your bonus booklet and proof of wages to the completed hardship application.
- Send the complete hardship application to your health insurance company and wait for the reply.
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Financial consequences of a positively decided hardship application
- If your hardship application was answered positively, you will receive double the fixed allowance from your health insurance company. To do this, you must provide clear evidence of your wage situation with your hardship application.
- If you cannot afford the rest of the dental prosthesis costs despite a positive hardship application, you should know that the health insurance company will have to cover the remaining difference.
- You have a right to this according to the statute law.
- Please note that it is imperative that you inform your health insurance company about the hardship application before starting your treatment. Do not do this after the start of treatment.
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