What is included in VHI for dentistry in 2022: pros and cons of the policy

By taking out additional health insurance, the insured person has the opportunity to receive quality medical care in many areas. The list of the most common conditions under a voluntary medical insurance (VHI) policy includes dental services. You will find out below what manipulations and procedures are provided by the VHI dentistry option.

What is included in VHI in dentistry?

There are two ways to purchase voluntary medical insurance with dentistry: become a participant in the corporate insurance program through your employer or take out a policy individually.

The basic VHI program does not include dental services - this is an addition to the list of standard services, which is added at the request of the policyholder. Dentist medical care within the framework of the additional insurance policy includes:

• examination and diagnosis of the oral cavity;
• X-ray and other necessary examinations;
• therapeutic treatment (treatment of acute superficial, medium and deep caries, pulpitis, nerve extraction, canal filling, placement of fillings, pain relief);
• surgery (removal of wisdom teeth, chewing teeth, incisors, benign formations, treatment of inflammation in the mouth, salivary glands, maxillofacial nerves);
• treatment of gums and oral mucosa;
• aesthetic treatment: removal of tartar and plaque, installation of veneers, coating with fluoride varnishes;
• emergency 24-hour free assistance in the clinic.

The above list of standard services does not include implantation and prosthetics. By the way, insurers are very reluctant to agree to add these options to the VHI Dentistry program.

Therefore, if a client hopes to receive this type of treatment, it is necessary to study the contract very carefully. Typically, only maxillofacial trauma is a strong indication for prosthetics.

Good to know! If a tooth is destroyed due to natural reasons - age, caries, etc., the implant is placed at the patient’s expense, which is absolutely unprofitable for the policy owner. Under such circumstances, the insured may never use the dental services provided for by the terms of insurance and regret the money spent.

Methods for obtaining a VHI policy with dentistry

You can buy VHI with dentistry on your own, or you can get it from your employer. In the first case, you need to draw up a list of services that the policy should cover. You can find out in advance which clinics the insurer cooperates with, how qualified their staff are and what kind of technical equipment they have.

To receive assistance under VHI dental insurance programs for individuals, you just need to provide your insurance number. After services are provided, the dentist will complete patient records and send an invoice to the insurance company for payment.

What do you have to pay for out of pocket?

When signing a contract, the policyholder cannot provide for everything - some cases are not covered by the insurance. They are classified as additional medical services of dental care. Among them:

• teeth whitening and inlay (decoration with rhinestones);
• restoration of enamel and coating it with protective agents;
• replacement of fillings at the request of the patient for preventive and aesthetic purposes;
• implantation and prosthetics of lost elements of the dentition;
• orthodontics (correction of bite, alignment of teeth through the installation of braces and other methods, treatment of periodontal tissue, ozone treatment).

The listed services are mostly related to cosmetology, and this type of service is not provided for by the VHI policy.

What VHI dentistry does not cover

In the basic variation of VHI, dentistry does not include:

• orthodontic treatment;
• implantation;
• elimination of cosmetic defects: imperfections on the enamel and a filling with a defect;
• pigmentation of the filling;
• chronic periodontitis;
• teeth whitening;
• treatment of congenital and hereditary dental diseases;
• restoration of the beauty of a smile;
• improvement of bite;
• development and installation of prostheses;
• endotherapy of teeth with cysts;
• non-carious lesions;
• elimination of oncological pathologies of the oral cavity;
• treatment of periodontal disease;
• treatment of sexually transmitted diseases (exclusively in the oral cavity).

VIP VHI policies allow you to install braces and include some services that are not included in the basic policy (implantation, prosthetics, and others).

A little about corporate insurance

It cannot be said that the quality of dental services under the VHI policy is better. In contrast, corporate insurance options are usually quite limited. However, there is a very significant plus - the insured person will not pay for dental treatment under voluntary health insurance in the amount provided for by the policy.

Considering that additional medical insurance is not a cheap pleasure, small organizations cannot always afford to include the “VHI” option in the contract. But huge holdings with thousands of employees receive significant bonuses from the insurer, so adding this service does not affect their financial condition. What you need to know about corporate insurance:

1. Seeing a dentist under a VHI policy is not always “geographically” convenient, because you can get examined and receive treatment in just a couple of medical institutions located at different ends of the city.
2. Typically, corporate insurance has limitations, for example, no more than 2 teeth can be treated per year, and only if it is average caries and the crown is destroyed by no more than 50%. For the rest you will have to pay extra, albeit taking into account the discount.
3. If the collective agreement specifies a certain number of people who can receive treatment during the year, and more employees from this company contact the clinic, this may entail a lengthy showdown with the insurance company. It is possible that some insured persons will have to use paid services.
4. When an employer saves on the “Dentistry” option and chooses clinics with a lower quality of service, one can also expect that cheap materials may be used during treatment. In addition, it is more profitable for a doctor to accept clients who pay for treatment, so VHI holders are “leaked” to inexperienced trainees. Fortunately, this is a rare occurrence.
5. You must make an appointment in advance

Thus, corporate insurance, which provides the opportunity to treat teeth under a VHI policy, is beneficial for the insured, especially if he works in an enterprise with hazardous production, where abrasives, chemicals, etc. are used. Service under such a program is better than under free compulsory medical insurance, and worse than visiting a paid dentist individually at your own expense.

How a VHI policy works: pros, cons, features of voluntary insurance

Comparisons

Types of bank cards and their features

Externally, all bank cards look the same: a rectangular plastic card with a number on the front side and a secret CVV code on the back. Recently, products without any physical media have appeared, digital or virtual cards. What is the difference between them? Is there a special classification of bank cards? And is it possible to use one plastic; for salary and loan? We will answer these and other questions in this article. Why do you need a bank card A couple of decades ago, goods and services were paid exclusively in cash. To open a bank account, you had to take money to the branch and create a savings book, where interest accruals were recorded. Loans were also issued in banknotes. Now you can link a bank card to each account, and then you will always have money at hand: your own or borrowed. The card has its own unique number. It is allowed to be named by third parties. Knowing this combination, anyone can transfer money to you. IMPORTANT: The card expiration date, PIN code and secret CVV combination must not be disclosed to anyone! Each bank card is serviced by one or another payment system. The most popular in the world are Visa and Mastercard. In Russia there is another option, the domestic service MIR. On plastic; It is this payment system that receives all social benefits in our country. Do not confuse the concepts of bank card; and account;. Money is stored in the account, but plastic; a tool with which you can manage your finances. If you lose or break the media, funds will not be lost from your account. The main thing is to quickly block the card so that the finder does not have time to use it. HELP: In most stores, you do not need to enter a PIN code for purchases worth less than 1 thousand rubles. Money is debited automatically when the client applies the plastic; to the reader. Types of bank cards There are 2 main categories of plastic cards: debit and credit. The first are linked to the citizen’s deposit account. It's his own money. This includes salaries, pensions, and children's benefits; payments. Any citizen who has reached the age of majority has the right to open such an account and link a card to it (and in some financial institutions the service is available to teenagers over 14 years of age who have received a passport). To attract more customers, banks charge interest on the balance at the end of the month and return cashback for purchases (up to 30% of the amount spent). A type of debit product is prepaid cards. But they are not tied to any account. The client simply goes to the bank, issues a plastic card; and replenishes the balance by a certain amount. Now you can pay for goods and services with a card. You are allowed not to even provide your details. Non-registered cards have the same functionality as debit cards, only there is a limit on cash withdrawals and monthly spending. The second main category of bank cards is credit cards;. They are linked to an account, but it does not contain their own money, but borrowed money. To apply for a loan, you don’t even need to go to the office. Just click on the appropriate button in the mobile application. The bank lends funds for a specific period and at a certain percentage. Credit cards are in great demand now; with a grace period. The person who borrowed the amount must return the funds within a few weeks or months. If he manages to repay the debt within the allotted period, he will not be charged interest for using borrowed funds and the credit limit will be renewed. In 2022, Russian banks issued a record number of credit cards; 17.1 million pieces. This is 2 times more compared to 2022. People spend money every day for their needs, and after their salary they pay off the debt. Cards with overdraft are a cross between debit products and credit cards; A citizen deposits his money into the account, and if it runs out, the bank gives the client access to a certain amount. After any financial receipt, the debt is written off automatically. How to get a bank card We offer step-by-step instructions for those who do not know how to open a bank card: Decide which card you need: debit or credit, personal or anonymous, with or without an overdraft. Select a financial institution. Focus on such parameters as the cost of issue and maintenance, the amount of cashback and the amount of interest accrued on the balance. Contact the office with your passport or download the mobile application on your smartphone. Submit your application, wait for a response (usually it takes a few minutes). Select a delivery method. Plastic; can be delivered directly to your home. But Sberbank, for example, provides delivery only to the branch. Get the card in your hands and start using it. There is another option to order a virtual bank card. It does not have a carrier, and all calculations are carried out using a smartphone or smart phones; hours (we are talking about NFC contactless payment technology). Premium products are provided for clients who have been using the services of one bank for a long time. Gold; or platinum; cards provide access to an increased credit limit and other privileges.

23.01.2022

0

108

What could be the pitfalls?

You should familiarize yourself with the disadvantages of dental care before purchasing a policy. Pitfalls that the insured person may encounter:

• inability to change clinics at will. According to the terms of the contract, during the insurance year the client can only be served in the institution that was selected when receiving the policy;
• lack of highly specialized specialists in clinics. According to the rules of VHI insurance, the patient does not have the right to use the services of a prosthetist and orthodontist - he only claims to provide primitive care. The same applies to diagnostic measures - such examinations are limited by agreement;
• drawing up an agreement with a franchise. This will reduce the amount of the insurance premium, but if an insured event occurs, you will have to partially pay for the treatment out of your own pocket. If the franchise is 2000 rubles, then upon initial application you will have to pay this amount;
• chronic diseases. If there are any, VHI registration is usually refused. There is no point in hiding this fact, because if it reveals itself, you will have to pay a huge fine and reimburse the insurance company for all funds spent.

Another significant problem is that not all insurers want to cooperate with individuals and provide dental care. For them, corporate insurance is more profitable. It is difficult to find such companies; not all of them exist on the market.

Good to know! Some individuals join groups of 10-20 people and receive insurance on the same terms as large companies. This allows the insured to save on purchasing a policy.

What is this: a dental policy for individuals?

Not only employers pamper their employees, but also citizens themselves, uniting in groups or independently purchasing a voluntary health insurance policy.
Often, a VHI policy is purchased primarily to obtain dental services.

Dental treatment is expensive, and those who are faced with this problem have the opportunity to save significantly with the help of insurance.

Let's look at the types of VHI insurance for dentistry.

Corporate program

This insurance option can be considered voluntary. This is explained by the fact that the employer, by agreement with the employees, insures them.

Basically, medical insurance provides a standard package of services offered, changing in accordance with the wishes of the customer.

In order to reduce the cost of employee insurance, an entrepreneur can use different options. One of them is the employee’s shared participation, when he pays for part of the services himself or a certain amount is debited from his salary (only on the basis of voluntary consent).

More information about employee insurance ►►

Individual program

Emergency dental care may be included in the basic VHI package.

Individual policy formation may depend on the position, labor productivity and other factors (elite programs, standard, basic).

Collective program

In large cities, group insurance is especially common.

Individuals, united in a group of 15-20 people, jointly submit an application to the insurer.

This option allows you to save a decent amount when obtaining a policy.

What else may be included in the program ►►

The insurance company may make a semi-formal offer to join an existing insurance policy.

Cost of VHI for dentistry in 2022 in the top 5 insurance companies

Some top insurance companies with high reliability ratings do not provide standard programs for individuals for VHI insurance with the option of dental services. For example, those insured who have dental treatment under the policy of VTB or SOGAZ either have corporate insurance or negotiate the terms of insurance individually. The table shows the prices of those organizations that have standard programs that include dental services.

VHI policy with dentistry from the employer

Numerous large companies take care of dental treatment through the insurance of their own employees, paying for it. A pre-agreed budget is allocated for the purchase of policies. It will determine the scope of services to insured persons. Collective insurance provides an opportunity to reduce the cost of the contract, which is beneficial for the organization.

Under a dental insurance policy, the insured is assigned to certain clinics with which the insurer has signed an agreement. If the hospital is not on the list, you can submit a written application. Some companies accommodate their customers' requests.

How and where to apply

VHI insurance with the “Dentistry” option can be obtained from any of the above companies, or you can first independently monitor the conditions and prices of different insurers and choose a more profitable option. To obtain a policy you will need:

• visit the office of the insurance company, inquire about the provision of such services in the medical institution you like, or leave an application for purchasing a policy on the insurance company website;
• provide a package of documents: passport, SNILS, confirmation of registration, application (filled out on the spot);
• undergo an examination (at the request of the insurer);
• choose a program that provides dental services and sign an agreement;
• pay for the services of the insurance company and obtain a policy.

You can conclude an agreement through an insurance agent, broker or travel agency, but in this case you will have to overpay for mediation. In addition, fraudulent activities are possible, so you need to confirm for yourself the fact of cooperation of a person or organization with the insurer.

Analysis of services and cost of insurance in different companies

VHI insurance with the “Dentistry” option is issued by the insurance company.

In order for cooperation to be profitable, it is necessary to consider the conditions and costs of various insurers.

Based on the data obtained, you can choose the best option that will satisfy all aspects.

To purchase a VHI Dentistry policy, you should visit the office of the insurance company.

In some insurance companies, the application can be left by the user on the website.

The policyholder must provide a list of documents, including an identity card, SNILS and confirmation of registration. The company will also ask you to fill out an application.

To obtain a policy, at the request of the insurer, you must undergo an examination. The client can decide on the program for dental services.

After this, the contract is signed and payment is made. After completion of all actions provided by the insurance company, a policy is issued.

Read more about VHI for individuals ►►

SOGAZ

This program involves cooperation with leading dental clinics near and far abroad.

Supervising doctors conduct consultations with clients regarding medical services and monitor the progress and quality of treatment.

The medical contact center operates around the clock and maintains contact with medical institutions.

Monitoring of the implementation of services under the insurance program is carried out.

Qualified specialists will promptly resolve any customer issues.

RESO

The most popular service is dental surgery.

Surgical dental treatment includes tooth extraction , cyst removal, and opening of abscesses that occur in the maxillofacial area.

Provides assistance in relieving acute conditions in periodontal diseases.

Within the framework of the program, cooperation is carried out with private dental clinics, to which the insured can apply.

Alfa insurance

Obtaining a policy from Alfastrakhovanie involves providing the insured person with qualified dental care.

The insurance holder has the right to visit a physician and surgeon.

The policy includes dental radiography and electrodontodiagnosis.

Typically, the cost of a voluntary health insurance policy with dentistry starts at 20,000 rubles/year.

Also, the policy holder is given the right to receive therapeutic dentistry (treatment and filling of carious cavities and canals).

Preventive measures are provided, which consist of removing supragingival dental plaque.

Ingosstrakh

Provides for the conclusion of comprehensive policies for treatment at the Zub.ru dental clinic.

These programs can treat periodontal disease, diagnose and treat the salivary glands, which is considered a rarity when concluding dental insurance.

The cost of services is cheaper (maybe 50%) than in other clinics and starts from 7,000 rubles / year for adding dental treatment services to the standard VHI program.
Since the cost of Dentistry insurance under VHI for individuals is calculated individually, you should definitely contact each insurance company in your city for a detailed price calculation.

Why do some clinics not cover VHI policies with dentistry?

To cooperate with insurers, it is necessary to properly train medical personnel. Insurers have special requirements for filling out documents and maintaining patient records, which differ from traditional ones. Failure to comply will result in payment being refused. Not all medical institutions agree to incur additional costs for staff training.

Some insurers refuse to work with clinics that use inflated rates. This is due to the limited budget for each patient. A good dentist makes no difference in treating patients who pay for services themselves and those whose costs are covered by an insurance company.

Is everything possible to include VHI?

But the history of personal insurance in the Russian Federation is not what interests the domestic insurer. It is important for him to understand what is included in the VHI, whether he can take into account prosthetics services in the policy. The answer is yes: prosthetics can be included in the contract with the insurer, but with some reservations:

• as a rule, insurance companies agree to take on such an expensive risk only as part of dental services: coverage includes dental prosthetics with preparation for procedures;
• in 99% of cases, voluntary health insurance with prosthetics is a premium price class program, extended insurance, which not everyone can afford;
• on the Russian market, only large serious insurers take prosthetics into account in their programs.

And the insurers, in a sense, can be understood. The logic of their reasoning is transparent: if a person wants to include such complex treatment in his policy, then he suspects that he will need it. That is, he knows things about his health that he does not tell his insurance partner.

And this already amounts to fraud. You cannot insure yourself to solve an old health problem; VHI insurance is purchased for unforeseen cases of illness.