2. Medical insurance can reimburse the expenses of filling teeth, tooth extraction, periodontal treatment, gingivitis and other diseases, but it cannot reimburse the expenses of tooth cleaning, tooth embedding, tooth implantation, orthodontics, tooth beauty and so on. Medical insurance card reimbursement is for relatively low-cost items, and high-cost items such as dental implants and orthodontics are not reported.
3. Accidental medical treatment can reimburse unexpected medical expenses, such as gingival bleeding caused by accidental fall, which can be reimbursed through accidental medical treatment.
4. accident: accident causes more than 8 teeth to fall off, which is regarded as grade 1 disability. Disability can be compensated by accidental disability in accident insurance. For example, if you buy 1 million accident insurance, you can pay 1 thousand, which is barely enough to buy dental implants.
5. Most million medical insurance policies do not cover dental diseases, but only dental treatment caused by accidents. Dental diseases, related treatments and vision correction operations are not compensated, but accidents are not subject to this restriction.
6. dental insurance: routine examination, tooth cleaning, fluoride coating, pit and fissure sealing, root canal treatment, periodontal treatment, tooth extraction, tooth filling, implant, orthodontics, restoration and denture are all covered, and even accidental tooth injuries can be reimbursed. Direct settlement with the clinic insurance company, no need to pay by yourself, and the excess needs to be paid on site.
1. Responsibility for preventive health care and treatment: 5, yuan per year, 1% reimbursement. This is especially suitable for children. Because many children like sweets, they are prone to tooth decay, so many parents like to coat their children's teeth with fluoride, close the cavities and protect their children's teeth. This insurance is 1% reimbursed, which is quite practical for families.
2. Basic treatment responsibility: 9% of the annual 1 yuan quota will be reimbursed, and 1% will be given for the excess. Basic treatment includes: periodontal treatment, conventional tooth extraction, simple root canal treatment of deciduous teeth, simple resin filling, or X-ray panoramic examination. If 1 yuan is needed for the above basic treatment, then the insurance will reimburse 9 yuan, and individuals only need to go out of 1 yuan.
3. Re-treatment responsibility: 2 yuan a year, 7% reimbursement, over 1% discount. Complex treatments include: dental surgery, complex root canal therapy, permanent root canal therapy, complex tooth extraction, fixed tooth repair, removable repair, cosmetic repair, restorative filling, dental implantation, orthodontic treatment and so on. The algorithm is as above.
4. Responsibility for accidental dental treatment: RMB 3, per year, with 1% full reimbursement. Such as trauma suture, periodontal fixation caused by trauma, routine tooth extraction or other unexpected dental treatment. , all belong to the scope of responsibility for accidental treatment. Insurance rules and precautions
5. Insurance planning: First of all, the requirements of this dental insurance are very loose: no occupation, no gender, no age, and the birth of 6 -8 years old is a price: 588 yuan/person/year. Secondly, the waiting period is very short, only 7 days. I bought it this week and I can use it next week (there is no waiting period for accidental dental treatment). Third, there is no health notice: it does not involve the previous dental health, regardless of whether there are cavities, wisdom teeth or dentures before, it can be used. In addition, there are green passes and direct payment services. If you go to the dentist, the insurance company will pay directly with the dental clinic after the visit, and you don't need the customer to take the invoice for reimbursement.