Individual Dental Insurance Plan - 4 Things to Check Before Buying12 Nov, 2015
Individual Dental Insurance Plan - 4 Things to Check Before Buying
What are the things that you need to consider when you buy a dental insurance for yourself? What is the embedded benefits and what are the riders that you can attach to enhance the benefits coverage? Do not understand anything about the insurance plan yet want to find a best plan for your self? Listed below are some of the checkpoint which you could consider while buying a dental insurance plan.
Firstly you need to understand what are the benefits you want from this plan that you want to buy. For example, a dental care insurance, the benefits that you want might be the coverage for dental care treatment for regular check up, x-ray on teeth, tooth polishing, whitening or fillings. There are different benefits offered for broken tooth due to accidental reasons and definitely this is depended on your choice if these benefits suit your own needs.
Sum payout (Premium)
Sum payout or premium (which is a term use in insurance contract) is a certain amount of money which you need to pay either monthly, quarterly, half yearly or yearly to the insurance company in order to get the coverage from them. When you buy the policy, you have the option to choose how much premium you want to pay. The more you pay, the more coverage or benefits you received. Meanwhile, please be aware of the deductible and co-payment applied to different plan of the policies.
There are some company only cover for dental treatment for certain dental clinic only. The insurance company might have their own list of dentist option and only these listed dentist are covered for the benefits offered. You have to check with you Financial Consultant very carefully when you choose the plan and ask for further explanation and details of the product.
Special clause or exclusion
Last but not least, the most important thing to check while buying a dental insurance plan. Do check on the clause and exclusion on your policy booklets. Some company might not cover for tooth polishing for example but the other company might consider it, or the other scenario might be the insurance company cover for tooth filling but with certain terms and conditions like the broken tooth must be due to the accidental reasons.
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