The biggest advantage of dental insurance is to change the insured's medical habits and behaviors. Spending other people's money and the money that has already been used will definitely increase the frequency of use, which objectively promotes people to improve their oral health.
The official statement is that it can provide insured persons with a full range of oral health services, including preventive care, basic treatment, complex treatment and dental implants. The coverage of this type of insurance is very wide, including not only dental treatment, but also some projects related to oral health, such as periodontal disease treatment, gingivitis treatment, and endodontic treatment. In addition, dental insurance usually also provides some additional services, such as emergency dental treatment, special dental treatment, and dental beauty. These services can help insured persons better protect their oral health and improve their quality of life.
Dental insurance is an insurance specifically for the costs related to dental treatment and restoration.
Most of these products are launched by private dental clinics and insurance companies, and must be used in specified clinics;
Insurance companies do not make money from this type of insurance. It is basically to enhance users' "experience" of insurance, and also to do some publicity and drainage for themselves and dental clinics and institutions.
Unlike "critical illness insurance" and "life insurance" which are bought for protection, dental insurance is bought for the purpose of insurance.
Therefore, general dental insurance does not have a health declaration, and you can directly purchase it and use it at any time. Many products can be purchased halfway through the treatment.
How to choose dental insurance?
The coverage of dental insurance generally includes:
Health care treatment, basic treatment, complex treatment, and accidental treatment.
(1) Health care treatment: teeth cleaning, children's fluoride coating, pit and fissure sealing, etc. The most common dental care such as "teeth cleaning", "pit and fissure sealing", "fluoride coating" can be reimbursed 100%, and there is no limit on the number of times. Adults can achieve "premium recovery" by cleaning their teeth two or three times. This can help us develop a good habit of going to check our teeth every six months, and if there are any dental problems in the middle, they can be treated immediately, without having to wait until the toothache is unbearable before operating. It is also suitable for children. Many dentists recommend children to do "pit and fissure sealing" and "fluoride coating". The principle of both is to create a "protective film" on the teeth. For example, "pit and fissure sealing" is to apply the biological material of pit and fissure sealing to the occlusal surface of the teeth and food. When these materials penetrate into each pit and fissure, they will become hard and form a protective film, thereby preventing tooth decay.
(2) Basic treatment: periodontal treatment, filling treatment, simple tooth extraction, radiography, etc. "Basic treatment" such as tooth extraction, ordinary tooth filling, periodontal anti-inflammatory treatment can also have 90% coverage.
(3) Complex treatment: complex tooth extraction, root canal treatment, periodontal surgery, cosmetic restoration, implant, orthodontics, etc. Dental surgery, periodontal fixation, minimally invasive implant filling, etc. belong to the scope of "complex treatment".
(4) Accidental treatment: traumatic gingival suture, traumatic periodontal fixation, traumatic filling, traumatic tooth extraction, etc. "Accidental dental treatment" refers to dental problems caused by accidents such as bumps and bruises. Most dental insurance plans do not require health declarations, do not require underwriting, and do not have a waiting period.
