Important! The following dental insurance options are suitable for you
Important! The following dental insurance options are suitable for you, Teeth are an important part of the body in ensuring that the body can receive proper nutrition.
Without teeth that function to chop food, the stomach will have difficulty digesting the various foods that enter it. Because the role of teeth is so important, dental health must also be an important concern.
The Indonesian Dental Association recommends the public have their teeth checked every 6 months.
This is to prevent various problems that arise due to lack of dental hygiene such as cavities, infections, and sensitive teeth.
Through an intensive examination, we can reduce the risk of toothache which ends up becoming an infection. Not infrequently this infection forces doctors to take dental surgery.
The Importance of Dental Care
Unfortunately, most Indonesian people still think that going to the dentist is a scary thing.
Chairman of the Executive Board of the Indonesian Dental Association (PDG) Dr.Dg. RM Sri Hananto Seno, Sp.BM in 2019, once said that more than 95 percent of people in Indonesia are still reluctant to visit the dentist when they have problems with their teeth.
The stigma of painful examinations is still the main reason why few people dare to have their teeth checked, especially the baby boomer generation who are not used to going to the dentist.
Luckily, this doesn’t happen to millennials who, according to health circles, have quite good knowledge of dental care.
This is because young Indonesians already understand the importance of healthy teeth and want a more aesthetic dental appearance.
Veneers, bleaching, or braces are now very popular. In addition to maintaining the beauty of your teeth, routine dental check-ups can also maintain a healthy body in general.
3 Reasons People Don’t Go to the Dentist
Indonesian people are known to be still afraid to visit the dentist, there are several backgrounds behind this, including:
1. Underestimating Dental and Oral Health
Indonesians tend to underestimate the importance of oral health. Though these two organs play an important role in helping the digestive process. If there are problems with the teeth and mouth, the impact can be severe complications.
Cavities, for example, often cause sufferers to experience pain every time they chew food.
As a result, the body becomes weak due to a lack of nutritional intake. Not a few of those who experience toothache also end up suffering from afternoon throat and stomach ulcers.
2. Dental Care is Painful
The notion that dental care is painful is true. But such cases only happen to those with severe dental cases.
If it’s just a problem with cavities or tartar piling up, the treatment process doesn’t hurt at all.
Dentists recommend treatment at least once every 6 months, to prevent severe tooth decay.
Because when the damage is getting wider, the actions taken are quite complex, even dental surgery.
The more often you delay and underestimate the pain in the teeth, the higher the risk of dental surgery that the doctor will take
3. Dental Care is Expensive
For Indonesian people, dental care is synonymous with people with money. Naturally, once you have your teeth checked, you must at least prepare Rp. 200 thousand, especially for the doctor’s services, not yet with the price of actions and medicines.
However, this treatment is not carried out every month, just once every 6 months. If you calculate it, maintaining healthy teeth is much cheaper than having your teeth checked when they are damaged.
For example, if a tooth is left untreated, it will be badly damaged and require dental surgery to remove the root.
Dental surgery is not cheap, at least millions have to be spent. Before spending more money, you should do regular maintenance to prevent severe tooth decay.
Dental Health Insurance and its Types
If you still think the price of treatment to the dentist is expensive, try to prepare a special budget so that it is not burdensome when dental surgery is carried out.
One of the efforts we can do is to buy special health insurance premiums for teeth.
Dental insurance is a new product in the insurance industry. Only appearing in the 20th century, precisely in 1954 in California, dental insurance quickly became a prima donna because the benefits offered were very tempting.
At that time, people who filed dental insurance claims could get USD 1,000 per year.
At that time, the insurance company Delta Dental was the pioneer of dental health protection products, followed by other companies such as Guardian Insurance, Blue Cross Blue Shield, Concordia, and also Cigna. In Indonesia, dental insurance is included in additional insurance on health insurance.
3 Types of Dental Insurance
There are at least 3 types of dental insurance that are usually offered, namely:
1. Basic care dental insurance
This type of insurance covers basic dental care costs such as fillings, tartar cleaning, roof repair, or tooth extraction.
2. Complex care dental insurance (Major Care)
Meanwhile, major care usually provides benefits in the form of treating dental problems and requires special protection. This type of treatment consists of surgery or dental surgery and dental implants.
This benefit is also provided to policyholders who have an accident and require action because their teeth are badly damaged.
3. Dental insurance for the denture installation
Installation of dentures is also still included in the insurance coverage. However, it can only be claimed by customers who are recommended by doctors to use dentures.
You must already have a prescription or cover letter from a doctor, to make an insurance claim for the installation of dentures.
Dental Surgery Insurance Recommendations
It has been explained that this dental surgery insurance is included in major care. In Indonesia, generally this dental insurance is an additional form of health insurance.
However, there are several companies that sell dental health insurance products independently or separately from health insurance.
As for dental surgery insurance, it is included in the independent dental insurance coverage or additional health insurance.
Actually, dental surgery is a simple procedure, similar to a regular tooth extraction but still not to be confused with tooth extraction.
Dental surgery can cause serious complications in the mouth, while tooth extraction usually only causes minor effects such as discomfort when eating or pain due to the effects of surgery.
Therefore, the costs incurred for this tooth extraction operation tend to be expensive, at least reaching IDR 2-4 million for one procedure.
Well, these costs are covered by the insurance company. Generally, this surgery is included in the category of complex dental care.
On average, insurance companies set a maximum limit of operations, which is 2x in one year.
Usually, there is no limit to the distance between the surgery, so you can perform the operation twice in a row, for example in one month.
Meanwhile, dental insurance premiums are very affordable, the average setting starts from IDR 100 thousand / month.
Dental Insurance Options
There are many insurance companies that offer dental protection benefits, but not all provide the same facilities.
So your task is to choose the best and most suitable for your health and financial condition. Here are some choices of insurance companies that are worthy of being an option.
1. Take care of my smile – Take care of yourself, premiums start from Rp. 88 thousand/month
One of the products from Jagadiri offers very complete protection. With premiums starting from IDR 88 thousand per month you can get benefits including:
- Dental Conservation Benefits
Protects Teeth against medically necessary preventive measures and/or treatment of all dental tissues including enamel, dentin, pulp, and roots.
The maximum benefit of dental conservation is 2 (two) times in one policy year, without any provision for visitation intervals.
- Benefits of Dental Care due to Accident
Paying dental care benefits including the manufacture of dentures as a result of an accident that occurs within 48 (forty-eight) hours since the accident occurred.
- Benefits of Tartar Cleaning
Paying the benefit of tartar cleaning a maximum of 2 (two) times in one policy year with a visit distance of not less than 6 months.
- Benefits of Tooth Extraction
Paying the benefit of a tooth extraction with a maximum of 2 (two) times in one policy year without an interval of visit.
- Benefits of Doctor Consultation
Pay compensation for services provided by dentists related to problems in the dental and oral cavity accompanied by prescribing drugs, either caused by illness or accident with a maximum of 2 (two) times a year without provisions for the interval of visits.
2. Cigna Healthy Smile- Cigna, premiums start from IDR 180 thousand/month
As one of the long-established insurance companies in Indonesia, Cigna also has protection products for dental health.
One of the advantages offered is the cashless service. You only need to show your membership card at a network of 700 Cigna partner hospitals to be able to get dental treatment.
The benefits offered include:
- Prevention or preventive care such as cleaning tartar,
- Basic care or basic care such as fillings and tooth extraction, as well as aesthetic and major care such as making bridges or dental bridges or dental care due to accidents.
- Benefits of discounted shopping prices at merchants and dental care at partner clinics
- Premium discount of 10% for a year’s payment.
3. Dental Insurance – Danamon, premiums start from IDR 140 thousand/month
Dental insurance is a protection product from Danamon that provides comprehensive dental protection benefits. With a very affordable premium, you get various benefits for your dental care.
Enjoy the various advantages of this product:
- The coverage benefit is up to IDR 10 million per year.
- Can include a spouse or child to get a discount on dental care.
- The entry age for primary cardholders and spouses ranges from 18 years to 60 years.
- The entry age for children is from 1 year to 23 years.
- Maximum protection up to the age of 65 years.
- Affordable monthly premiums.
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