Dental insurance

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  1. #1

    Join Date
    Sep 2010
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    Dental insurance

    Can anyone suggest a standalone dental policy offering more than say $60 for an X-ray?

    Thanks

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  2. #2

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    As with all insurance policies, you will, on average, in the long run, pay more in premiums than you will get back in payouts. Since Dental charges, unlike more general medical charges, are reasonably finite I can't see any rational reason how anyone could justify taking out dental insurance.


  3. #3

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    Hmm suppose...

    Thanks pdlm

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  4. #4

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    Last year I was getting quotes from an insurance agent, even he suggested to skip the dental insurance!


  5. #5

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    Wow! That unpopular?! I wonder if it's because barely 10% of the cost would be covered...after all we all need to see the dentist irrespective of health unlike a doctor...

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  6. #6

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    Quote Originally Posted by Blue88:
    after all we all need to see the dentist irrespective of health unlike a doctor...
    So they would have you believe...

  7. #7

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    Quote Originally Posted by Blue88:
    Wow! That unpopular?! I wonder if it's because barely 10% of the cost would be covered...after all we all need to see the dentist irrespective of health unlike a doctor...
    Lots of people also see the doctor on a regular (annual typically) basis irrespective of health for a physical.

    Unless you work for an employer who offers a generous dental plan, of if particularly terrible teeth requiring a lot of care, run in your family, I'd skip a local dental plan. Regular dental cleanings are quite cheap in HK.

  8. #8

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    Cheap?!

    I was quoted $1500 yesterday from one practice!

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  9. #9

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    Quote Originally Posted by Blue88:
    Cheap?!

    I was quoted $1500 yesterday from one practice!

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    Then you are going to the wrong place. It's about 200 at mine. Get off the Island and go find a proper dentist that normal people use (mine is in Tuen Mun, but you don't have to travel that far )

  10. #10

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    Mar 2012
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    I know there are some insurance plans which offer coverage on Out-patient, Specialists, and Dental Care etc.

    Premiums are not too expensive as it covers not only for Dental!

    Quote Originally Posted by Blue88:
    Can anyone suggest a standalone dental policy offering more than say $60 for an X-ray?

    Thanks

    Sent from my Nexus One using GeoClicks Mobile