Pojištění zubů: Co pokrývá a kdo to skutečně potřebuje?

When it comes to dental care, pojištění zubů, doplňkové zdravotní pojištění, které pokrývá náklady na zubní léčbu a prevenci. Also known as zubní pojištění, it can save you thousands of korunas on procedures like kyretáž zubů, zubní implantáty, or even bělení zubů — if you know what’s actually covered. Most people think their basic health insurance covers dental care, but it rarely does. The state pays for emergency extractions or fillings in children, but anything beyond that? You’re on your own.

Think about it: a single zubní implantát can cost 20,000 Kč or more. A full set of zubní fazety? That’s 50,000 Kč easily. Even routine care like kyretáž zubů — a procedure that prevents tooth loss — often costs 5,000–10,000 Kč per jaw. If you’ve ever had a toothache and waited because you couldn’t afford the visit, you know how risky that is. Waiting doesn’t make it cheaper — it makes it worse. That’s where proper dental insurance steps in. But not all plans are equal. Some only cover cleanings and basic fillings. Others include orthodontics, implants, or even aesthetic treatments. You need to know what you’re signing up for.

Many people buy the cheapest plan, thinking it’s enough. Then they get shocked when their dentist says, "Sorry, we don’t cover that." The truth? The best dental insurance isn’t the one with the lowest monthly fee — it’s the one that covers the treatments you’re likely to need. If you’re over 30, you’re at higher risk for gum disease. If you grind your teeth, you might need a night guard. If you’ve lost teeth, implants are often the only long-term solution. These aren’t luxuries — they’re medical necessities. And if you’ve ever had a cracked tooth or painful gum inflammation, you know how fast things can spiral.

Don’t wait until you’re in pain to check your policy. Look at your current plan. Does it cover kyretáž zubů? What about follow-up visits after an extraction? Are crowns included, or just basic fillings? Most plans have annual limits — 5,000 Kč, maybe 10,000 Kč. That’s barely enough for one implant. And if you’re thinking about braces or clear aligners for yourself or your teen? Most plans either exclude them entirely or cap them at 10,000 Kč — far below what’s needed.

The smart move? Know what your teeth need before you buy. If you’ve had cavities before, if your gums bleed when you brush, if you’re considering whitening or implants — you’re not just a candidate for insurance. You’re a candidate for protection. The posts below break down real costs, hidden exclusions, and how to pick a plan that actually helps — not just one that sounds good on paper. You’ll find guides on what procedures are really covered, how to avoid being overcharged, and what to ask your insurer before you sign anything. No fluff. Just what works — and what doesn’t.