{"id":6051,"date":"2023-05-08T19:08:21","date_gmt":"2023-05-08T19:08:21","guid":{"rendered":"https:\/\/dansktandforsikring.dk\/commercial-20-40-60\/"},"modified":"2025-08-04T11:03:01","modified_gmt":"2025-08-04T11:03:01","slug":"commercial-20-40-60","status":"publish","type":"page","link":"http:\/\/dansktandforsikring.dk\/en\/commercial-20-40-60\/","title":{"rendered":"Commercial 20-40-60"},"content":{"rendered":"

Premium<\/h3>\n

The premium is determined based on the age of each employee and the total premium is invoiced to the company. The first year you have the insurance, it covers up to 20% of any treatment, the second year it covers up to 40%, and from the third year onwards it covers up to 60% of your dental treatments. The maximum amount of cover for each treatment group increases from year to year for the first three years.<\/p>\n

Example<\/h3>\n

For example, if a filling costs DKK 1,200 you will be reimbursed DKK 240 in the first year. In the third year, it will be DKK 720.<\/p>\n

100% cover for examinations and dental cleaning<\/h3>\n

Even if you take out the insurance now, but currently do not have any dental problems, you will still benefit from it. We cover 100% of your examination and dental cleaning costs up to DKK 450 per year.<\/p>\n

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Commercial \u201820-40-60\u2019 covers:<\/h3>\n
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  • Examination and dental cleaning<\/span><\/li>\n
  • Anaesthesia<\/span><\/li>\n
  • Periodontitis (incl. periodontal surgery)<\/span><\/li>\n
  • Root canal treatments<\/span><\/li>\n
  • Fillings<\/span><\/li>\n
  • Prosthetics (crowns, bridges, implants etc.)<\/span><\/li>\n
  • X-ray<\/span><\/li>\n
  • Surgery (including extraction)<\/span><\/li>\n
  • Miscellaneous<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n
    <\/div>\n<\/div>\n
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    Commercial \u201820-40-60\u2019 does not cover:<\/h3>\n
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    • Cosmetic treatments<\/span><\/li>\n
    • Teeth that were already missing\/not existing at the time when the insurance was taken out. This includes baby teeth.<\/li>\n
    • Orthodontic treatment<\/li>\n
    • <\/li>\n
    • <\/li>\n
    • <\/li>\n
    • <\/li>\n
    • <\/li>\n
    • <\/li>\n<\/ul>\n
        \n
      • Lorem ipsum Lorem<\/li>\n
      • Lorem ipsum Lorem<\/li>\n
      • Lorem ipsum Lorem ipsum Lorem ipsum Lorem ipsum Lorem ipsum Lorem ipsum<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
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        Below you can see the cover year by year within the different treatment groups.<\/h3>\n

        First year cover<\/strong><\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        Treatment group<\/th>\nYear 1<\/th>\nMax. amount of cover<\/th>\n<\/tr>\n
        1. Cleaning and examination<\/td>\n100%<\/td>\nDKK 450<\/td>\n<\/tr>\n
        2. Sedation<\/td>\n20%<\/td>\nDKK 400<\/td>\n<\/tr>\n
        3. Parodontitis<\/td>\n20%<\/td>\nDKK 1,000<\/td>\n<\/tr>\n
        4. Root channel treatments<\/td>\n20%<\/td>\nDKK 1,000<\/td>\n<\/tr>\n
        5. Fillings<\/td>\n20%<\/td>\nDKK 1,000<\/td>\n<\/tr>\n
        6. Prostetics (Crowns, bridges, implants)<\/td>\n20%<\/td>\nDKK 2,000<\/td>\n<\/tr>\n
        7. X-rays<\/td>\n20%<\/td>\nDKK 600<\/td>\n<\/tr>\n
        8. Orthodontic treatments<\/td>\n20%<\/td>\nDKK 0<\/td>\n<\/tr>\n
        9. Surgery<\/td>\n20%<\/td>\nDKK 2,000<\/td>\n<\/tr>\n
        10. Miscellaneous<\/td>\n20%<\/td>\nDKK 400<\/td>\n<\/tr>\n
        Max payout<\/strong><\/td>\n<\/td>\nDKK 8,850<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

        Second year cover<\/strong><\/p>\n<\/div>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        Treatment group<\/th>\nYear 2<\/th>\nMax. amount of cover<\/th>\n<\/tr>\n
        1. Cleaning and examination<\/td>\n100%<\/td>\nDKK 450<\/td>\n<\/tr>\n
        2. Sedation<\/td>\n40%<\/td>\nDKK 800<\/td>\n<\/tr>\n
        3. Parodontitis<\/td>\n40%<\/td>\nDKK 2,000<\/td>\n<\/tr>\n
        4. Root channel treatments<\/td>\n40%<\/td>\nDKK 2,000<\/td>\n<\/tr>\n
        5. Fillings<\/td>\n40%<\/td>\nDKK 2,000<\/td>\n<\/tr>\n
        6. Prostetics (Crowns, bridges, implants)<\/td>\n40%<\/td>\nDKK 4,000<\/td>\n<\/tr>\n
        7. X-rays<\/td>\n40%<\/td>\nDKK 1,200<\/td>\n<\/tr>\n
        8. Orthodontic treatments<\/td>\n40%<\/td>\nDKK 0<\/td>\n<\/tr>\n
        9. Surgery<\/td>\n40%<\/td>\nDKK 3,000<\/td>\n<\/tr>\n
        10. Miscellaneous<\/td>\n40%<\/td>\nDKK 800<\/td>\n<\/tr>\n
        Max payout<\/strong><\/td>\n<\/td>\nDKK 16,250<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

        Third year cover<\/strong><\/p>\n<\/div>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        Treatment group<\/th>\nYear 3<\/th>\nMax. amount of cover<\/th>\n<\/tr>\n
        1. Cleaning and examination<\/td>\n100%<\/td>\nDKK 450<\/td>\n<\/tr>\n
        2. Sedation<\/td>\n60%<\/td>\nDKK 1,200<\/td>\n<\/tr>\n
        3. Parodontitis<\/td>\n60%<\/td>\nDKK 3,000<\/td>\n<\/tr>\n
        4. Root channel treatments<\/td>\n60%<\/td>\nDKK 3,000<\/td>\n<\/tr>\n
        5. Fillings<\/td>\n60%<\/td>\nDKK 3,000<\/td>\n<\/tr>\n
        6. Prostetics (Crowns, bridges, implants)<\/td>\n60%<\/td>\nDKK 6,000<\/td>\n<\/tr>\n
        7. X-rays<\/td>\n60%<\/td>\nDKK 1,800<\/td>\n<\/tr>\n
        8. Orthodontic treatments<\/td>\n60%<\/td>\nDKK 0<\/td>\n<\/tr>\n
        9. Surgery<\/td>\n60%<\/td>\nDKK 4,000<\/td>\n<\/tr>\n
        10. Miscellaneous<\/td>\n60%<\/td>\nDKK 1,200<\/td>\n<\/tr>\n
        Max payout<\/strong><\/td>\n<\/td>\nDKK 23,650<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

        <\/h3>\n

        How much does dental insurance cost?<\/h3>\n
        The price of Dental Insurance Commercial 20-40-60 depends on the age of each employee.<\/span><\/span><\/div>\n
        <\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        Age<\/th>\nAnnual premium in DKK<\/th>\n<\/tr>\n
        18-25 years<\/td>\nDKK 1,074.00<\/td>\n<\/tr>\n
        26-30 years<\/td>\nDKK 1,785.00<\/td>\n<\/tr>\n
        31-35 years<\/td>\nDKK 2,001.00<\/td>\n<\/tr>\n
        36-40 years<\/td>\nDKK 2,216.00<\/td>\n<\/tr>\n
        41-45 years<\/td>\nDKK 2,432.00<\/td>\n<\/tr>\n
        46-50 years<\/td>\nDKK 2,649.00<\/td>\n<\/tr>\n
        51-55 years<\/td>\nDKK 2,865.00<\/td>\n<\/tr>\n
        56-60 years<\/td>\nDKK 3,081.00<\/td>\n<\/tr>\n
        61-65 years<\/td>\nDKK 3,297.00<\/td>\n<\/tr>\n
        66-70 years<\/td>\nDKK 3,513.00<\/td>\n<\/tr>\n
        71-75 years<\/td>\nDKK 3,700.00<\/td>\n<\/tr>\n
        76-80 years<\/td>\nDKK 3,995.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
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        How do I use the insurance?<\/strong><\/h3>\n

        You can use the insurance from the day your company has chosen to start the scheme. You can use any Danish dentist.<\/p>\n

        You can submit your bill in two ways.<\/strong><\/p>\n

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        1. You can scan \/ take a photo of it and upload via your private profile with Dansk Tandforsikring, or<\/li>\n
        2. All Danish dentists can submit your dental bill directly to Danish Dental Insurance.<\/li>\n<\/ol>\n

          Your reimbursement will then be paid directly to your NemKonto. We pay out reimbursement every Monday and you will receive the money in your account on the same day or Tuesday at the latest.\u00a0It is as easy as that.<\/p>\n<\/div>\n<\/div>\n

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          Tax treatment of Commercial 20-40-60<\/strong><\/h3>\n

          Since the premium is determined based on each employee’s specific age, each employee must be taxed individually on the premium via their monthly salary at a rate of 1\/12 of the premium. All payouts will be tax-free for the employee and the company can deduct the expense like any other operating expense.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

          If you want to proceed with a dental insurance scheme<\/h3>\n

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