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 washing, tooth implantation, tooth implantation, orthodontics, tooth beauty and so on. Medical insurance cards are reimbursed for relatively low-cost items, while high-cost items such as dental implants and orthodontics are not reported.
3. Accidental medical treatment can reimburse accidental medical expenses, such as bleeding gums caused by accidental falls, which can be reimbursed through accidental medical treatment.
4. Accident: The accident caused more than 8 teeth to fall off, and it was identified as grade 10 disability. Disability can be compensated by accidental disability in accident insurance. For example, if you buy 1 10,000 accident insurance, you can pay 1 10,000, which is barely enough to buy dental implants.
5. Most of the millions of medical insurance policies do not cover dental diseases, but only the treatment of dental diseases caused by accidents. Dental diseases, related treatment and vision correction surgery 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, tooth implantation, orthodontics, restoration and dentures are all guaranteed, and even accidental tooth injuries can be reimbursed. Direct settlement with outpatient insurance company, no need to pay by yourself, and the excess needs to be paid on site.
1, preventive health care and treatment responsibility: 5000 yuan per year, 100% reimbursement. This is especially suitable for children. Because many children like to eat sweets and are prone to tooth decay, many parents like to apply fluoride to their children's teeth to seal the cavities and protect them. This insurance 100% reimbursement is quite practical for families.
2. Basic treatment responsibility: one year 1 000 yuan, 90% reimbursement, 10% discount 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 the basic treatment needs 1 1,000 yuan, and the insurance will be reimbursed to 900 yuan, the individual only needs 1 1,000 yuan.
3. Re-treatment responsibility: 2000 yuan a year, 70% reimbursement, full 10% 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. Accidental dental treatment responsibility: 3000 yuan per year, 100% fully reimbursed. Such as wound suture, periodontal fixation caused by trauma, routine tooth extraction or other unexpected dental treatment. , all belong to the scope of responsibility for accidental handling. 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, 60 -80 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 can use it next week (there is no waiting period for accidental dental diseases). 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.