VHI dentistry for individuals: dental treatment under insurance, the cost, what is included

Every resident of our country falls under the state compulsory health insurance program (OMS). But another type of insurance is voluntary medical or VHI. This is a type of personal insurance, which provides for the receipt of medical care in predetermined medical institutions under the selected insurance program.

The type of such insurance appeared relatively recently and immediately gained popularity among people who care about their health and value their time. Most of the people who have such a policy are employees of a large network, since it is the company that is interested in the health of its employees. Recently, VHI is in demand among young people who are worried about their future and the future of their children. VHI dentistry deserves special attention, because this type of service has important features.

Types of VHI, is it possible to treat teeth

Both individuals and companies can purchase an additional insurance policy.

There are several types of VHI:

• a corporate policy that the employer issues for his employees;
• individual design by one person;
• collective - several individuals are united in a group of 10 to 15 people.

Corporate and collective contains dental services in the basic package, but this is not as extensive a package as the patient would like. Depending on the required services, you can safely add them to the program, but this will also affect the cost.

An individual policy may include several programs (elite, standard). Each of them has the ability to add dental services. Dentist services are often not included in the basic package. You cannot purchase a separate dental policy, it always comes as an addition to the chosen direction.

What is included in dental treatment with additional insurance

In order to get a VHI policy, you either need to apply for an individual medical registration on your own. insurance or find a job in a job where the manager provides additional insurance.

VHI with dental services includes:

• initial examination and diagnosis of diseases, as well as the appointment of treatment;
• x-ray;
• deletion nerve, anesthesia and getting rid of caries;
• annual tooth processing with specialized varnishes;
• deletion dental calculus.

This list does not include software maintenance. prosthetics.

However, some companies offer to expand the program with prosthetics and implantation.

Prosthetics can be included in the contract with the insurer, but there are important nuances of this type of dental treatment for additional insurance:

1. Usually, insurance companies agree to accept such an expensive risk only within the framework of dental services: the coverage includes dental prosthetics with preparation for procedures.
2. In most cases, VHI with prosthetics is a premium price program, that is, extended insurance that not everyone can afford.
3. In Russia, only large, serious insurance companies include prosthetics in their insurance plans. Most likely, insurers reason as follows: if a client wants to include such a complex treatment in the policy, then he suspects that he will need it. Apparently, he knows about his health what he does not say to the insurance partner.

When dental prosthetics is included in the VHI, this does not guarantee payment for installation services prosthesis. Here are some of the features:

1. The insurance organization may prescribe in the issued policy: prosthetics is included in the insurance coverage only if the need arose due to injuries of the maxillofacial area. In this case tooth decay due to untreated caries, this risk is not included.
2. Often in dental programs it is prescribed: prosthetics are paid for under the VHI, but only in terms of the cost of prostheses and preparatory manipulations before their installation. Implants, support materials, rehabilitation - these are not covered.
3. Only cheap prosthetics that do not use expensive materials can be included.

Often, you yourself need to pay for services related to cosmetology, aesthetic dentistry:

• whitening and decoration with various jewelry;
• correction bite;
• treatment of congenital pathologies and infectious diseases;
• replacement of still good fillings;
• installation of systems that align teeth.

Service pitfalls for VHI policies

Citizens who apply for and use medical dental insurance VHI note the following disadvantages:

1. During the insurance period (usually 1 year), services are provided in the same institution.
2. Lack of prescribed treatment in the event that there are chronic diseases. Already at the beginning of obtaining insurance, it is necessary to truthfully tell about the existing diseases, otherwise the insurance agent may demand to return the money for the treatment received.
3. The presence of a franchise in some companies, which is worth paying for the initial visit. This amount can vary from 1,000 to 5,000 rubles.
4. Lack of narrowly specialized doctors in a medical institution (prosthetist, odontologist).
5. Some insurers do not provide services to individuals; it is much more profitable to conclude a contract with corporate clients.

Corporate insurance

Corporate insurance implies that the manager independently orders an additional health insurance policy. For employers, there are the following benefits:

• prestige;
• reducing the number of sick leaves;
• reduction of the tax amount.

It seems that minimal options are included in the corporate program, however, it is cheaper than paying for them yourself. In addition, it is possible to take out dental insurance. Small businesses cannot afford them, but large holdings often use them. The more people there are, the lower the cost of insurance, besides, there can be significant bonuses from the insurer.

Important information about corporate insurance:

1. For the insurance period (12 months), you can use the treatment of 2 teeth, and this is only if the tooth is saved by more than half.
2. Often, clinics are not geographically convenient.
3. You need to make an appointment with the doctor in advance.
4. Sometimes the employer saves money and chooses clinics with a rather low quality.

Corporate insurance provides an opportunity to cure teeth under the VHI policy. It is quite profitable and convenient, you just have to familiarize yourself with the conditions and clinics that provide services within the framework of insurance.

How and where to issue

For self-registration of a policy with dental services, you must contact any insurance company that provides such services. To obtain a policy, you must:

1. Choose a suitable company and specify the amount of payment.
2. Come to the nearest office and provide such documents as:
   • passport of a citizen of the Russian Federation;
   • pension certificate (SNILS);
   • Statement of the relevant plan.
3. If there is such a need, the insurance agent gives a referral for examination.
4. After receiving the conclusion, the signature of both parties is carried out and payment is made.
5. Only after that the policy is handed over.

You can also issue such a document through intermediaries. It's easier and faster. However, in this case, the total amount increases, since the services of the intermediary are paid.

The price of VHI dentistry for individuals in the best insurance companies

The table shows the companies and the cost of programs that include dental insurance.

Insurance Company	A program that contains dental services	Cost in rubles for 1 year of service
RESO guarantee	Standard	8500
Rosgosstrakh	Basic	6500
Renaissance	Optima	8000
Ingosstrakh	Standard	7000
VSK	Standard	5500

And such an insurance company as SOGAZ gives its clients a corporate discount, but does not have a program containing dental services. But on the other hand, this company has many other projects designed for kids and adults up to 81 years old.