Treatment Under a Health Insurance Policy
More and more people are realizing the benefits of a voluntary health insurance policy when paying for dental treatment. The very high cost of orthopedic and large-scale therapeutic procedures is more than offset by the low price of insurance. Using an insurance policy will provide you with the opportunity to receive truly high-quality services free of charge at any clinic of your own choice. The only condition is that the clinic must have an agreement with your insurance company.
Peculiarities of dental treatment under insurance
To receive full compensation, as well as to agree on payment for treatment by an insurance policy, you must follow certain rules so that the insurance company does not have any questions for you:
- The most important thing. When choosing a variant of a voluntary medical insurance policy, carefully study the information on the insurer's website about what exactly is included in the list of insured events and what is not. The best option would be to get insurance that your friends have already taken advantage of. But even in this case – independently specify the current conditions. And do not take your insurance agent's word for it – you can easily get caught by an insufficiently experienced specialist.
- Do not forget, when concluding a contract, to sign a consent to the verification of personal data. Otherwise, this may result in a denial of a refund.
- Follow exactly the procedure in the event of an insured event, described in the contract with your insurance company.
- Please note that you have the right to apply only to those medical organizations with which the insurer has concluded relevant agreements. Usually, lists of these organizations are posted on their website.
Procedure for the provision of services when paying with an insurance policy
For guaranteed receipt of insurance compensation, you must strictly adhere to the procedure for the occurrence of an insured event specified in your contract. The most general list of them looks something like this:
- Within the period specified by the insurer from the moment the insured event occurs, you must notify it in writing (usually 30 days). The so-called “insured event statement” can be written either by the insured himself or by the beneficiary organization in which he used the health restoration services.
- You will also need a medical document issued in the prescribed manner, confirming the fact of seeking medical help and containing the date of the request, the terms of the provision of medical services, the diagnosis for which treatment was carried out, the list of medical services provided, and their cost.
- Original proof of payment for medical services.
Above are excerpts from the public contract of Belgosstrakh. The full text of which you can find here.
Most often, the amount of insurance compensation does not exceed 10% of the total sum insured – please take this into account when calculating.
List of services provided
The list of dental services available for payment under the policy is determined by the type of your policy and the list of insured events included in it. There are no restrictions from our side. For example, for the Belgosstrakh organization, the required type of policy is now “Health insurance + dental care”. With us, you can use the insurance payment to cover the following services:
- implantation,
- prosthetics,
- therapeutic treatment,
- endodontics,
- periodontal treatment,
- aesthetic dentistry.
List of insurance companies we cooperate with
Dentistry “Dudko and Sons” currently accepts the policies of the following insurance companies with the preservation of all discounts – corporate and accumulated under the loyalty program:
- Belgosstrakh,
Regardless of the chosen payment method, in our clinic you will receive the highest quality treatment on the latest equipment using the most modern materials. We are waiting for you at Masherova 17!
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