Do I Need Dental Insurance?

Dental accident insurance mainly covers outpatient or inpatient medical expenses involved in dental damage caused by accident.

Dental insurance

Right!

Dental accident insurance mainly covers outpatient or inpatient medical expenses involved in dental damage caused by accident.

(1) Liability for health treatment insurance:

During the insurance period, if the insured accepts the health treatment items listed in the "Diagnosis and Treatment Code Classification Table" attached to this insurance contract at the medical institution designated by the insurer, the insurer shall pay 100% of the reasonable medical expenses incurred Proportional benefits for health care costs.

(2) Liability for basic treatment insurance:

During the insurance period, after the insured suffers accidental injury or has passed the waiting period agreed in the insurance contract since the date of obtaining the insured qualification (the renewal policy or this agreement does not limit this), the insurer will designate medical treatment. If the institution accepts the basic treatment items listed in the "Classification Table of Dental Clinic Codes" attached to this insurance contract, the insurer will pay the basic treatment cost insurance premium at a 100% payable rate for the reasonable medical expenses incurred.

The insurer's liability for the basic treatment cost insurance premiums borne by each insured is limited to the basic treatment cost insurance amount of each insured as set out in this contract. When the insured's basic treatment expenses are insured, the insurer's liability for the insured's basic treatment expenses under this contract is terminated.

(3) Liability for complex treatment insurance:

During the insurance period, after the insured suffers accidental injury or has passed the waiting period agreed in the insurance contract since the date of obtaining the insured qualification (the renewal policy or this agreement does not limit this), the insurer will designate medical treatment. If the institution accepts the complex treatment items listed in the "Diagnosis and Treatment Code Classification Table" attached to this insurance contract, the insurer will pay 100% of the expenses incurred for the complex treatment expenses insurance premium.

The liability of the insurer for the payment of insurance premiums for complex treatment costs to each insured is limited to the amount of insurance for the complicated treatment costs of each insured as set out in this contract. When the insured's complicated treatment expenses are insured, the insurer's liability for the insured's complicated treatment expenses under this contract will terminate.

The following eight types of dental diseases can be reimbursed:

Denture

implanted teeth

Clean teeth

Dentition correction

Yellow black teeth

Tooth defect

Stained teeth

Roasted magnetic teeth

Americans spend more on teeth than people in other countries in Europe and the United States. Most importantly, Americans look at their teeth "at their own expense", while Europeans and Canadians look at their teeth "at public expense". -Americans pay for dental care entirely from commercial insurance, while Europe and Canada are national insurance.

The difference between dental insurance and national insurance is perhaps the biggest reason for the obvious differences between Americans and Europeans.

It is difficult for national insurance to set up various extremely flexible insurance types like commercial insurance, and it is difficult to incorporate the latest technology application into insurance types. It is good at solving only general and universal problems, but it cannot solve further and personal needs, such as aesthetic problems.

There is a very clear division of foreign dentistry, one is the patient and the other is the client. The former is a diseased tooth, the latter is for aesthetics. In developed countries, doctors will guide clients to make their teeth more beautiful. The Chinese market, such as the success of Putian, also shows that there is a larger market for beautiful teeth.

However, a country's insurance-led society can hardly strive for better aesthetics than the commercial insurance-led market. Because the national insurance has set the price, doctors can only use the most common materials or technologies, and cannot do more detailed and thoughtful services.

Of the income composition of dentists in developed countries, about 20% are diseases and 80% are beautiful. There are a lot of choices in aesthetics. A dental crown, different technologies and materials can cause visual unreality. Whether it is the same as other teeth under different lights, the effect varies greatly. The national insurance coverage is usually very narrow.