Can I get commercial insurance for filling my teeth?

At present, most ordinary commercial health insurance in China does not include teeth, or some insurance companies clearly indicate in the exemption clauses of the contract that tooth extraction, tooth beauty, dental implants, porcelain teeth and dental implants are not covered by insurance and cannot be reimbursed. Except in one case, if the accidental injury indirectly or directly leads to tooth damage, the expenses can also be reimbursed. For details, you can refer to the exemption clause of the commercial insurance signed to see if there is any protection for teeth, and then you will know whether filling teeth is within the scope of reimbursement.

There are two types of insurance that can reimburse dental related expenses:

(1) High-end medical insurance: High-end medical insurance is a medical insurance with higher coverage, wider reimbursement scope and better service than millions of medical insurance. Generally, dental responsibilities are attached, and some dental expenses can be reimbursed. However, the premium of high-end medical insurance is also high, which is not suitable for ordinary people to insure.

(2) Dental insurance: For ordinary people, you can insure a dental insurance specifically for dental treatment and restoration. The scope of protection generally includes four aspects: health care treatment, basic treatment, comprehensive treatment and accidental treatment. The expenses incurred by dental projects such as tooth cleaning, fluoride coating, tooth filling, tooth planting and orthodontics can be reimbursed to a certain extent, and the annual premium is about several hundred yuan, which is very cost-effective.

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