How much dental expenses can medical insurance reimburse? At present, there are three types of insurance that can reimburse the cost of dental treatment:
National medical insurance
accident insurance
medical insurance
Let's take a look at it separately:
1, dental treatment, can medical insurance be reported?
Medical insurance is the most basic welfare that the state gives to each of us.
Due to the differences of local policies, take Shenzhen medical insurance as an example:
Reimburseable: treatment expenses for tooth filling, tooth extraction, periodontal treatment, gingivitis and other diseases.
Non-reimbursable: tooth cleaning, tooth filling, tooth implantation, orthodontics, tooth beauty and other expenses.
It can be seen that medical insurance can only reimburse some low-cost basic treatment expenses, which is also in line with the characteristics of wide coverage and low security of medical insurance. After all, China has a large population and cannot rely on the state for everything.
For expensive projects such as dental implants, dental implants and orthodontics, it is reasonable that medical insurance cannot be reimbursed.
2, dental disease, medical insurance reimbursement?
Ordinary people bought it? Most medical insurance does not cover dental diseases, but only the treatment of dental diseases caused by accidents.
Take Zhong An Xiang E Sheng Extreme Edition as an example:
Exemption clause 14: dental diseases and related treatment, vision correction surgery, but not due to accidents.
In addition to general medical insurance, common high-end medical insurance, although dental protection can be attached, is generally not cost-effective;
Take the enjoyment of life in the big insurance as an example;
If you provide dental protection for adults, you need to pay 1 162 yuan every year to get 2000 yuan for dental treatment expenses reimbursement.
Therefore, it is unrealistic for ordinary or high-end medical insurance to reimburse expensive dental treatment expenses at present.
3, tooth accident, how to pay for accident insurance?
The protection of accident insurance is mainly divided into two parts: accidental disability and accidental medical treatment;
The two payment methods are different:
Accidental disability: those who lost 8 teeth due to accidents belong to 10 disability. If you buy 1 10,000 accident insurance, you can pay 1 10,000, which barely covers the cost of dental implants. ...
Accidental medical treatment: only the treatment cost of accidental tooth injury is reimbursed, and tooth repair and plastic surgery are not compensated.
It can be seen that the protection of teeth by conventional insurance is obviously insufficient, which is the status quo.
So besides, is there any insurance that can reimburse the cost of dental care?
Horizontal evaluation of 7 special offers "dental care" Looking at the whole market, there are indeed some insurance companies that have launched special offers? Dental insurance.
I selected seven relatively good products for evaluation to see if they are worth buying.
Draw a direct conclusion:
If you want to give your child dental care, such as pit and fissure sealing, fluoride coating and so on. Overall, Ping An Germination has a good cost performance.
However, many clinics have similar group buying programs, so it doesn't matter if you don't buy insurance.
If the child wants to do dental caries or periodontal treatment: it is rare to recommend Taikang children's dental insurance, with a maximum payment of 70% within the limit of 5,000, and support public hospitals for reimbursement.
If teeth need to be extracted or filled: Taikang E-tooth health can be considered, and 90% will be reimbursed within 1 0,000, which is basically enough.
If you just wash your teeth regularly, you don't need to buy insurance. You can buy a dental cleaning card directly, which may solve the problem for tens of dollars.
Generally speaking, these insurances mainly focus on: dental care and basic treatment.
But it doesn't play much role in expensive and complicated treatment or tooth beauty.
Buying insurance mainly deals with: events with low probability (serious illness, death) but may cause great losses to us. In the scene of teeth, insurance can solve little problem and only save a little money.