Meet Your Needs
Affordable premium
Cover various types of dental services
The product information here does not contain the full terms of the policy and the full terms and conditions can be found in the policy document.
Features
Cover various types of dental services
The Plan covers various types of dental services, including routine check-up, dental scaling, filling, tooth extraction, tooth root and tooth beauty repair, etc.
You only need to pay single premium and enjoy maximum benefit total amount up to HKD17,000 plus RMB13,000.
If the treatment expense exceeds the maximum benefit amount, you can enjoy 10% discount on the excess amount.
Professional dental clinics network
Dental services under the Plan are provided by dental clinics* listed by the network provider. The clinic network covers Hong Kong and main cities in Mainland China GBA (like Shenzhen, Guangzhou, Zhuhai, Zhongshan, Foshan, Dongguan, etc.). You can enjoy quality professional dental services anywhere. It offers flexibility to cross-border families and customers who frequently travel between Mainland and Hong Kong.
Browse the dental clinic network: Dental Clinics List ((Hong Kong),Dental Clinics List (Mainland China GBA)
*Dental clinics listed by the network provider. Network provider has the right to adjust the list of dental clinics.
Simple procedure for dental appointment
You can easily make appointment * for dental services + through the method specified by network provider. The procedure is simple and fast. You can arrange quality dental treatment with flexibility.
*The life insured shall make an appointment for dental services through the method specified by the network provider. Life insured may choose one designated dental clinic for Mainland China GBA and one designated dental clinic for Hong Kong. After receiving treatment, life insured shall not transfer to another dental clinic in the same coverage area (Mainland China GBA and Hong Kong) within coverage period.
+Dental services are provided by the network provider through dental clinics. Network provider and dental clinics are independent from the Company and shall provide dental services to the life insured in their own professional capacity and competence. We do not guarantee the provision of dental services by the network provider or dental clinics and reserve the rights to appoint new network provider(s) or dental clinic(s) for the dental services covered under the Plan. We shall inform you of relevant changes by notice in advance.
Compassionate Death Benefit
In the unfortunate event of the life insured’s passing during coverage period, the beneficiary(ies) will receive a compassionate death benefit.
Simple Application and No Waiting Period
Simple online application and no health information required. No waiting period. You can enjoy the dental services after the policy is issued.
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Plan1
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Pan2
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| Coverage Area | Mainland China GBA | Mainland China GBA & Hong Kong | |
| Preventive Treatment | Maximum Benefit Amount | RMB 5,000 | Mainland China GBA: RMB 5,000 Hong Kong: HKD 5,000 |
| Coinsurance | Not applicable | Not applicable | |
| Basic Treatment | Maximum Benefit Amount | RMB 1,000 | Mainland China GBA: RMB 1,000 Hong Kong: HKD 2,000 |
| Coinsurance | 10% | Mainland China GBA: 10% Hong Kong: 20% |
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| Complex Treatment | Maximum Benefit Amount | RMB 2,000 | Mainland China GBA: RMB 2,000 Hong Kong: HKD 5,000 |
| Coinsurance | 30% | Mainland China GBA：30% Hong Kong：50% |
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| Accidental Treatment | Maximum Benefit Amount | RMB 5,000 | Mainland China GBA: RMB 5,000 Hong Kong: HKD 5,000 |
| Coinsurance | Not applicable | Not applicable | |
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Dental Services List
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| Dental Treatment | Preventive Treatment | Basic Treatment | Complex Treatment | Accidental Treatment |
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| Dental Services |
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Dental Scaling
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Fluoride Coating
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Pit and Fissure Sealing
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Other Preventive Treatments at Designated Dental Clinics |
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Comfortable Scaling
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Dental Routine Check-up
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Basic Periodontal Treatment
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Routine Tooth Extraction
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Simple or Primary Tooth Root
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Simple Filling
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Other Basic Treatments at Designated Dental Clinics |
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Intensive Periodontal Treatment
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Dental Surgery
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Complex Root
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Complex Tooth Extraction
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Dental Restoration
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Activity Repair
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Beauty Repair
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Restorative Filling
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Other Complex Treatments at Designated Dental Clinics |
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Traumatic Suture
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Periodontal Fixation Caused by Trauma
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Traumatic Tooth Removal
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Traumatic Root |
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Product Summary
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| Product Type |
Basic Plan
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Issue Age
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Age 18 to 80
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Coverage Period
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1 year, non-renewable
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Premium Payment Mode
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Single Premium
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Note:
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(1)Apart from dental scaling, comfortable scaling or dental routine check-up, other dental services shall not be selected by the life insured but shall only be covered if diagnoses as medically necessary (Medically necessary means the dental services are (a) necessary, appropriate and consistent with the discovery of the relevant symptoms or the diagnosis and treatment of the relevant covered illness; (b) in accordance with generally accepted medical practice and are not experimental or investigative in nature; (c) not provided solely for the convenience of the life insured, the policyowner, the dentist or any other person; and cannot be omitted to prevent the life insured’s health condition from deteriorating.) by dentist during dental routine check-up. (2) Coinsurance applies to basic treatment and complex treatment, the life insured is required to pay a portion of expense of the covered dental services after receiving treatment. (3) The life insured shall select a designated dental clinic from the list of dental clinics to receive dental services in each of coverage areas (Mainland China GBA and Hong Kong). For the avoidance of doubt, the life insured may choose one designated dental clinic for Mainland China GBA and one designated dental clinic for Hong Kong. After receiving treatment, the life insured shall not transfer to another dental clinic within the same policy year in the same coverage area. |
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Example 1 – After deducting coinsurance from treatment expense, less than the balance of the maximum benefit amount
| Plan 2 | |
|---|---|
| Assume complex treatment expense in Hong Kong (A) | HKD 2,000 |
| Coinsurance amount of Hong Kong (B) | HKD 2,000 x 50% = HKD 1,000 |
| Treatment expense deducting coinsurance amount of Hong Kong (A – B) |
HKD 2,000 – HKD 1,000 = HKD 1,000 ➢ Less than the balance of the maximum benefit amount of complex treatment HKD 5,000 |
| Payment at clinic | Equivalent to coinsurance amount, i.e. HKD 1,000 |
| Remaining balance of maximum benefit amount for complex treatment available for the next treatment | HKD 5,000 – HKD 1,000 = HKD 4,000 |
Example 2 – After deducting coinsurance from treatment expense, exceed the balance of the maximum benefit amount
| Plan 2 | |
|---|---|
| Assume complex treatment expense in Hong Kong (A) | HKD 15,000 |
| Coinsurance amount of Hong Kong (B) | HKD 15,000 x 50% = HKD 7,500 |
| Treatment expense deducting coinsurance amount of Hong Kong (A – B) |
HKD 15,000 – HKD 7,500 = HKD 7,500 ➢ Exceed the balance of the maximum benefit amount of complex treatment HKD 5,000 |
| Payment at clinic | Equivalent to treatment expense HKD15,000 deducting maximum benefit amount HKD5,000, with discount 10%, i.e. HKD9,000 |
| Remaining balance of maximum benefit amount for complex treatment available for the next treatment | HKD 0 ( Due treatment expense after deducting coinsurance amount exceed maximum benefit amount ) |
Important information
This product is a non-participating indemnity policy without any savings element. All premiums are paid for the insurance and related costs. This product is an one-year term non-renewable individual dental service insurance plan designed for customers who want to have dental coverage.
We will assess the risk based on your information to decide to accept or reject the application.
Each life insured is allowed to have only one inforced policy during the coverage period under this plan.
The life insured shall make an appointment for dental services through the method specified by the network provider before receiving treatment. Dental services is provided by the network provider through dental clinics. Network provider and dental clinics are independent from the Company and they shall provide dental services to the life insured in their own professional capacity and competence. We do not guarantee the provision of dental services by the network provider or dental clinics and reserve the rights to update the list of dental services and dental clinics from time to time and to appoint new network provider(s) or dental clinic(s) for the dental services covered under the plan. We shall inform you of relevant changes by notice in advance.
If the dental treatment expense after deducting coinsurance amount is less than or equals to the remaining balance of maximum benefit amount of the corresponding category of dental treatment, the life insured shall pay the coinsurance amount directly at the dental clinic. If the dental treatment expense after deducting coinsurance amount exceeds the remaining balance of maximum benefit amount of the corresponding category of dental treatment, the life insured shall pay the amount of the dental treatment expense after deducting the remaining balance of maximum benefit amount of the corresponding category of dental service treatment directly to the dental clinic and enjoy the discount.
For ‘Compassionate Death Benefit’, claims must be made in the Company’s prescribed claims form. You can call our Claims Hotline at +852 2830 7600 for the appropriate claim form.
The plan shall be automatically terminated on the earliest of the following events:
Death of the life insured; or
The Company approves the written request of the policyowner for surrender; or
End of coverage period of the plan.
Major product risks
The product is an insurance policy issued by the Company. Policyowners are subject to the credit risk of the Company, network provider and dental clinics. The financial strength of the Company may affect the ability to meet the ongoing obligations under the insurance policy. Dental services are provided by the network provider through dental clinics. Network provider and dental clinics are independent from the Company and shall provide dental services to the life insured in their own professional capacity and competence. We do not guarantee the provision of dental services by the network provider or dental clinics and reserve the rights to appoint new network provider(s) or dental clinic(s) for the dental services covered under this product.
Please note that the cost of living in the future is likely to be higher than it is today due to inflation. Hence, the insurance coverage planned today may not be sufficient to meet your future needs.
Major exclusions
Dental services specified in this plan shall not be applicable to the conditions resulting directly or indirectly from, or caused or contributed by (in whole or in part), any of the following:
Dental expenses incurred when the life insured receives treatment without making an appointment as required and the designated dental clinic(s) does not identify the life insured;
Dental expenses incurred when the life insured fails to present valid identification documents before or during treatment, and the designated dental clinic(s) is unable to confirm the identity and eligibility of the life insured;
Intentionally self-inflicted injury whilst sane or insane;
While or because the life insured is under the influence of alcohol, narcotic, drug, medicine, except as prescribed by a registered medical practitioner;
Dental expenses incurred when the life insured fails to comply with the instructions of the designated dental clinic(s);
Dental expenses incurred by the life insured for engaging in or participating in terrorist activities or cult organizations;
Dental expenses not listed in the dental service benefit schedule of the policy.
Cooling-off Right
This right allows you to cancel this policy, obtain a refund of any premiums paid within the Cooling-off Period. The cancellation notice must be signed by you and received by us at our office address within 21 calendar days immediately after the earlier of the day of delivery of (i) the policy or (ii) the Cooling-off Notice to you. The Cooling-off Notice is a notice to be sent to you by us notifying you of the Cooling-off Period around the time of policy delivery
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For enquiries, please click Contact Us or call our Customer Service Hotline: +852 2830 7500
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