Social security treatment directory, dental veneers, dental implants, dental cleaning, dental irregularities correction, yellow and black teeth, chipped teeth, stained teeth, grilled magnetic teeth and other treatment items can be reimbursed as scaling, cosmetic, orthodontic dental cosmetic projects are not part of the scope of the health insurance, dental outpatient clinics in hospitals, health insurance reimbursement rate of more than 1,800 yuan 50 percent.
And as commercial insurance dental coverage is mainly divided into: accidental coverage, dental specific insurance coverage, high-end medical coverage.
Accidental coverage: It mainly covers outpatient or inpatient medical expenses related to dental damage caused by accidents. Generally, the cost of dental damage caused by accidents is relatively high. Buying an accidental injury insurance policy can provide a high level of protection at a low price, but this type of insurance is only limited to dental damage caused by accidents, and cannot compensate for medical expenses due to illness. Customers should also look at the exclusion clauses of the specific insurance company, as some accidental medical treatments list the repair of teeth as an exclusion.
Teeth-specific insurance coverage: With the improvement of living standards, people increasingly recognize the importance of a good set of teeth, the protection of teeth is also increasingly strengthened, and visit the dentist has become a must for their own affairs. Some insurance companies have also carried out special insurance design for teeth, this kind of insurance is not only for dental medical reimbursement, but also introduces the dental care responsibility, each insurance period the insured person can carry out a routine care health care. Customers can enjoy oral examination, ultrasonic cleaning, polishing, sandblasting and other dental care during the insurance period.
High-end medical insurance: Nowadays, many high-end people, buy commercial insurance in the pursuit of easy claims at the same time, but also hope to get high-grade services, there are many insurance companies have launched a high-end health medical insurance. Customers can enjoy outpatient hospitalization full coverage, the reimbursement scope also includes out-of-pocket expenses for treatment items, the choice of hospitals include some foreign-funded or private hospitals, customers can not have to advance money to pay for medical expenses, directly through the vip insurance card for treatment. However, the cost of this kind of high-end medical insurance is also very high.