Can you provide dental insurance coverage |
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Question: Dental health insurance plans provided by Pacific Prime are typically only available as an add-on to standard in-patient coverage. Policies which provide a Dental treatment benefit will usually provide cover for general dental treatment, dental surgery, periodontics, dental prostheses and orthodontic treatment. Plans that we offer are usually guaranteed renewable and internationally portable; this means that even if you should relocate to another country, your policy will travel with you. As with maternity health insurance, it is important to note that most Dental benefits on an international health insurance plan will be attached to a waiting period. This means that you will be unable to claim for any dental treatment you have received prior to enrolling on the plan for a specific amount of time. The reason for the waiting period on a Dental benefit is due to the fact that many insurance providers will accept pre-existing dental conditions under the coverage. Most individuals will have undergone some form of dental treatment during their life, and as such it is extremely rare for a person to not have any pre-existing dental conditions prior to obtaining coverage. In most cases the typical waiting period associated with a Dental benefit is between 6 – 12 months from the start of the plan, however this will change with insurance companies. When looking at obtaining dental health insurance most insurance companies will typically offer two options: Routine Dental Treatment or Major Dental Treatment. Routine Dental Treatment will normally cover typical dental issues such as Tooth Cleaning, Simple Fillings, Root Canals, and Emergency Dental Treatment. A Major Dental Treatment benefit will provide higher levels of cover, including treatment for gingivitis, Crowns, Root Scaling, Bridgework, and Periondontitis Treatment. While the levels of coverage associated with a Major Dental Treatment benefit are higher than those for Routine Dental Treatment, the premium is also higher. As mentioned above, a Dental Treatment benefit is usually only obtainable as part of a standard in-patient treatment policy. The in-patient, or core policies available from Pacific Prime are able to cover you worldwide. Even if you should relocate to another country, the plans which we offer are typically able to travel with you ensuring that you have uninterrupted cover wherever in the world you may be. We are also able to offer specialized student health insurance plans specifically tailored to suit the needs of students in the USA or UK. For more information about the comprehensive international health insurance policies which we can afford, to learn more about the various dental treatment and student health insurance plans we can provide, or to receive a free global health insurance quote, please contact one of our expert advisors today. |
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