Did you know? Many people consider dental health to be less important, yet when dental problems arise, the costs involved are not cheap. Therefore, the role of insurance is crucial in maintaining healthy teeth. So, for Opal's friends who are looking for insurance, you can find a comprehensive explanation below.

Dental Insurance Categories

#1 Health Insurance + Dental

This category is usually included as part of a health insurance product that already has dental benefits. For those of you who have health insurance, you can check whether it includes dental benefits.

#2 Stand alone Policies

This category of insurance stands alone and can be a solution for those whose health insurance does not include dental benefits.

Types of Insurance Based on Treatment Classification

• Basic Care

This type of insurance only covers basic treatments such as regular tartar cleaning every six months, filling cavities, and tooth extractions.

• Complex Care

This type is suitable for patients with serious dental problems that require surgical intervention, usually due to an accident or illness. Covered treatments usually include various complex procedures such as odontectomy, alveolectomy, apicoectomy, and others. The costs of complex treatments are usually fully covered by insurance.

• Denture Care

Some insurances cover procedures for fitting dentures such as implants or removable dentures, but not all policyholders can benefit from this due to insurance requirements, which may include a recommendation letter from a dentist stating that fitting dentures is the most ideal treatment.

Recommendations for Dental Insurance with the Best Benefits

Insurance companies offer different categories and classifications of treatments. Here are the best dental insurance recommendations that you can use at Opal Dental:

#1 Allianz SmartHealth Maxi Violet

Health insurance with dental benefits covering:

• Basic dental care
• Complex dental care
• Denture care
• Preventive dental care
• Outpatient and emergency dental care due to accidents

#2 BNI Life

BNI Life provides comprehensive dental insurance benefits, offering up to 100% coverage for any treatment aimed at relieving toothache. Additionally, BNI Life covers up to 80% of preventive treatments such as routine dental care and tooth extraction costs.

#3 BRI Life

BRI Life offers health insurance with added dental protection. The advantages of this insurance include a cashless claim system and benefits covering:

• Basic dental care
• Complex dental care

#4 AdMedika

AdMedika is a full-TPI insurance integrated with various other insurances. This insurance offers various benefits such as:

• Basic dental care
• Complex dental care
• Denture care

Opal's friends can find out which insurance clients Admedika serves that offer the above benefits.

#5 Manulife MiUltimate HealthCare

MiUltimate is health insurance from Manulife Indonesia that also offers additional dental care benefits including:

• Preventive care
• Basic dental care
• Complex dental care
• Costs for crowns, implants, prostheses

#6 Medika Plaza

Medika Plaza Health Insurance offers dental care benefits including:

• Preventive care
• Basic dental care
• Complex dental care
• Denture care

#7 Cigna Healthy Smile

Cigna is a standalone insurance with benefits including:

• Tartar cleaning
• Filling cavities
• Tooth extraction
• Dental care due to accident
• Bridge construction

#8 AXA Mandiri International Exclusive Asia

AXA Mandiri provides benefits for dental protection including basic, complex, and denture care as detailed below:

• Costs of basic dental care: filling cavities, non-surgical tooth extractions, treatment of swelling, root canal treatment, dental treatment including receipts, and tartar cleaning. This includes consultation fees, procedures, tools, medication, diagnostic tests, and administrative costs.
• Costs of complex dental care: surgery. This includes consultation fees, procedures, tools, medication, diagnostic tests, and administrative costs.
• Costs of dentures: making dentures by a dentist, including partial or full dentures. This includes consultation fees, procedures, tools, medication, diagnostic tests, and administrative costs.

Claiming Insurance

For dental treatments using insurance, Opal's friends can contact Opal Dental's admin via WhatsApp to confirm the availability of insurance at Opal Dental. This method can also be used to determine the benefits of health insurance that include dental benefits. There are two methods of reimbursing claims.

#1 Cashless

This method is very convenient for Opal's friends because all they need to do is show their insurance membership card at Opal Dental. Opal Dental will coordinate with the relevant insurance to finance Opal's dental treatments.

#2 Reimbursement

This method requires Opal's friends to make payments first. After that, Opal's friends need to prepare several documents required for reimbursement to the insurance company. Once all documents are deemed complete, the insurance company will reimburse the expenses incurred by Opal's friends.

With insurance, Opal's friends can schedule dental treatments at Opal Dental without having to pay. To facilitate scheduling treatments using insurance, Opal's friends can contact Opal Dental's admin to check the availability of insurance."