In most countries having dental care done is very expensive. For this reason many companies do not offer their employees insurance that includes dental coverage in the plan. This is a major reason which explains why expatriates decide to add a Dental Insurance option onto their international medical insurance plan.

There are two options for dental cover:

Pre-existing dental conditions usually can be covered by a dental cover option, however in most cases a waiting period is enforced first.

Routine Dental Treatment

An international medical insurance plan which provides routine dental cover will usually accommodate a policyholder for tooth cleaning, simple dental procedures and regular check ups. In most cases a routine dental plan will also provide coverage for minor oral surgeries and emergency dental treatments.

Routinely, International Dental Insurance Plans may include the following:

  • Examinations : any consultation with a qualified dentist.
  • Cleaning : the removal of stains and plaque on the teeth or gum line.
  • Tooth Extraction : The removal of impacted or rotten teeth.
  • X - rays : An expensive diagnostic procedure that makes a complete image of the jaw bone and teeth that are located below the gum line.
  • Root Canal : The removal and replacement of a nerve at the base of a tooth.
  • Local Anesthesia : The numbing of a specific location of the body to perform a minor surgery or operation.
  • Emergency dental treatment :  Any treatment intended to repair tooth damage suffered in an accident that is received in an emergency situation.
  • Occlusion bar : A tool that is used to prevent teeth grinding together.
  • Prescriptions : Any prescribed medicines from a qualified dentist.
  • Fillings : In most cases only a tooth colored (white) filling will be allowed on teeth at the front of the mouth (anterior). When a filling is done in the back of the mouth (posterior) only silver (amalgam) filling will be allowed.

Special Dental Treatment

A special dental plan will provide more extensive cover than an average routine plan. While a routine dental plan will provide cover for basic dental needs, but will not cover for some of the more serious health treatments. Many international medical insurance plans will give you the option to add special dental benefits.

Special dental cover will normally include:

  • Bridgework : A prosthesis that is fixed into the jaw to replace one or more missing teeth. A bridge regularly consists of a series of crowns.
  • Repairs : Any procedure that is done to restore missing or broken teeth. Sometimes, insurance companies will regard fillings only as restorative.
  • Gingivitis : A serious bacterial gum infection. Special dental plans will cover all gingivitis treatments.
  • Root Scaling : A procedure that cleans plaque and removes foreign matter that has become stuck under the gum line.
  • Crowns : A Crown is a cap or cover on a tooth that cannot be restored by a filling. Crowns can be fabricated from gold or porcelain and then cemented onto the tooth.
  • Dentures : Dentures are a removable prosthesis stands in place of one or more teeth in the upper or lower jaw.

There are various options to choose from when it comes to dental cover. Our dedicated advisers can assist you in making an informed decision. To talk to one of our advisers or to receive a free quote, please contact us today.

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