Legal analysis: dental accident insurance primarily covers outpatient or inpatient medical expenses involved in damaging a tooth because of an accident. Dental accident insurance primarily covers situations such as knocking out a tooth in a car accident. The damage to the teeth caused by such an accidental situation is often greater and the cost of medical treatment is also higher. This is where having a dental accident insurance policy can shift the medical costs to the insurance company.
Legal basis: The Social Insurance Law of the People's Republic of China
Article 2: The State establishes a system of social insurance covering basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., and guarantees the right of citizens to receive material assistance from the State and society in accordance with the law in the event of old age, sickness, industrial injury, unemployment or maternity.
Article 26 The standards of treatment for basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the State.
Article 28 Medical expenses that conform to the basic medical insurance drug catalog, diagnostic and therapeutic items, standards of medical service facilities, as well as those for emergency and rescue shall be paid from the basic medical insurance fund in accordance with the state regulations.