Dental insurance strategy

Guided reading

Dental health is an important marker of a person’s health and has a major impact on general health. Therefore, with the improvement of economic level and social civilization, people pay more and more attention to oral health, but less than 1% of the population in our country has reached the dental health standard, and the money spent on dental health every year often burdens many families, so some In response to this phenomenon, insurance has launched dental insurance, which mainly covers outpatient or inpatient medical expenses involved in tooth damage caused by accidents, and comprehensively cares for dental health.

To buy dental insurance, citizens need to understand the insurance terms in advance, especially the coverage and claims knowledge, to ensure that the coverage can meet their needs and that they can successfully obtain claims in the event of dental problems.

How about dental insurance

Is it necessary to buy dental insurance?

Dental health is getting more and more attention from people all over the world, and a series of dental insurances have been derived from the phenomenon of expensive dental care. However, some citizens have questions about whether it is necessary to buy dental insurance. It is understood that because of the difficulty in reimbursement for dental treatment, many families are financially burdened. Dental insurance effectively solves this problem, so it is necessary to buy dental insurance.

Oral health is one of the 10 major standards for human health listed by the World Health Organization. The experience of developed countries tells us that dental insurance plays a huge role in promoting people’s acceptance of oral prevention, health care, and treatment. With the rapid development of the economy and the continuous improvement of living standards, people’s demand for dental care is also growing rapidly. However, dental care is difficult, expensive, and reimbursement is difficult, which greatly increases the burden of people’s oral medical care.

Based on people’s demand for dental insurance, many domestic insurance companies have launched dental insurance, which generally includes dental disease insurance, dental care insurance, dental accident insurance, etc., to ensure the high quality of citizens

What is dental insurance?

What are the three types of dental insurance?

To meet the dental health needs of different groups of people, dental insurance on the market has been repeatedly introduced. So, what is dental insurance? There are mainly dental accident insurance, dental-specific insurance, and high-end dental medical insurance. Let’s take a look at the detailed introduction.

 1. Dental accident insurance

Dental accident insurance mainly covers outpatient or inpatient medical expenses involved in dental damage caused by accidents. Such as knocking out a tooth in a car accident. The damage to the teeth caused by this unexpected condition is often relatively large and the cost of treatment is relatively high. At this time, if you have dental accident insurance, you can pass the medical expenses to the insurance company. Generally speaking, the premium of dental accident insurance is relatively low and the insured amount is relatively high so that consumers can obtain high protection at a low price. However, it should be reminded that this type of insurance is only limited to tooth damage caused by accidents. If it is caused by diseases (such as tooth decay), it cannot be compensated. In addition, some dental accident insurances include dental restoration as an exemption clause.

Dental insurance coverage

Introduction to dental insurance coverage

The dental disease that hurts and kills people often makes people feel miserable, and a series of harms caused by it make people feel lingering fear. Therefore, purchasing dental insurance can play a comprehensive role in protection. So, what are the responsibilities of dental insurance? Mainly Including health treatment insurance liability, basic treatment insurance liability, complex treatment insurance liability, etc., let’s take a look at the detailed introduction.

 (1) Health care treatment insurance liability

During the insurance period, the insured accepts the insurance contract at the medical institution designated by the insurer For the health care treatment items listed in the attached “Dental Diagnosis and Treatment Code Classification Table”, the insurer will pay 100% of the health care treatment expenses insurance money for the reasonable medical expenses incurred thereby.

 (2) Basic treatment insurance liability

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Dental Insurance Claim Process

A detailed explanation of the dental insurance claims process

After purchasing dental insurance, citizens can apply for compensation if they are in danger within the scope stipulated in the insurance contract. So, what is the dental insurance claims process? There are main steps such as “reporting – submitting materials – accepting and reviewing – indemnity”. Let’s take a look at the detailed introduction.

 Claims Process

The policyholder or beneficiary should notify the insurance company within 10 days of knowing the insured event. The insurance company will make an approval within 5 days after receiving the insurance payment application and the above-mentioned relevant certificates and materials; if the situation is complicated, within 30 days (but the insured, the insured, the beneficiary, or the insurance applicant shall provide additional information). The period for which the relevant certificates and information are not counted) is approved. If otherwise agreed, the agreed content shall be implemented.