When it comes to hospital dental implant surgery, medical insurance reimbursement policies do not cover it. Dental implants are often considered part of cosmetic and cosmetic dentistry and are not routinely covered by basic health insurance. Medical insurance reimbursement is limited to medical expenses incurred due to hospitalization that are included in the medical insurance drug catalog and the list of diagnosis and treatment items. Any dental implant expenses that exceed these standards, such as dental implant surgery, will be borne by the insured.

According to Article 29 of the "Social Insurance Law of the People's Republic of China", only medical expenses paid by the medical insurance fund will be directly negotiated by the social insurance agency with medical institutions and drug suppliers. Settlement. At the same time, the social insurance administrative department and the health administrative department are committed to establishing a medical expense settlement system for medical treatment in other places to facilitate the insured to enjoy basic medical insurance services. However, this does not apply to cosmetic dental procedures like dental implants.

Article 26 stipulates that the treatment standards for employees, rural cooperative medical insurance and urban residents basic medical insurance follow unified national regulations, but dental implant surgery is not within the scope of reimbursement and is not included in this scope. . Therefore, if you plan to have dental implants, it is recommended to consult your health insurance policy in advance and understand the out-of-pocket cost.