In this article, we have an interesting review about insurance, namely dental insurance for college students. Dental insurance is an insurance product that provides protection for your dental and oral health.
Dental insurance usually covers routine dental care costs, such as exams, cleanings, and fillings, as well as more complex dental care costs, such as tooth extractions, tooth roots, and dentures. Dental insurance can also help you reduce the risk of developing dental and oral diseases which can have an impact on overall body health.
Benefits of Dental Insurance for Students
Dental insurance for college students has several insurance benefits for students, such as:
1. Maintaining healthy teeth and mouth
One of the benefits of dental insurance for students is maintaining the health of your teeth and mouth. By having dental insurance, you can have regular dental examinations and treatment without worrying about the costs.
This can prevent more serious dental and oral problems, such as cavities, gingivitis, infections and tooth loss. Good oral health can also improve your quality of life, such as increasing your self-confidence, comfort, and ability to chew and speak.
2. Save on Dental Care Costs
Another benefit of dental insurance for students is saving on your dental care costs. The cost of dental treatment in Indonesia can vary depending on the type and level of difficulty of treatment. According to data from the Indonesian Ministry of Health, the average cost of dental care in Indonesia ranges from IDR 50,000 to IDR 5,000,000 per visit.
If you do not have dental insurance, you will have to pay the full cost out of your own pocket. However, if you have dental insurance, you only need to pay a relatively affordable monthly premium, and your dental care costs will be covered in part or in full by the insurance company.
3. Gain Access to the Dentist Network
The third benefit of dental insurance for students is gaining access to a network of dentists who work with insurance companies. This way, you can choose a dentist that suits your needs and preferences, and get quality and professional service. You can also avoid long queues and long waiting times at public health facilities. Apart from that, you can also get sophisticated and modern facilities and equipment for your dental care.
Types of Dental Insurance for Students
And the types of dental insurance for college students are as follows:
1. Independent Dental Insurance
Independent dental insurance is dental insurance that you buy privately from an insurance company. Independent dental insurance typically offers flexibility and variety in terms of coverage, benefits, and costs. You can choose independent dental insurance that suits your needs and budget. Some examples of independent dental insurance available in Indonesia are AXA Dental Care, Allianz Smile, and Prudential PRUdentist.
2. Family Dental Insurance
Family dental insurance is dental insurance that protects you and your family members, such as your partner, children or parents. Family dental insurance usually offers convenience and benefits in terms of administration, payments and claims.
You only need to pay one premium for all your family members, and you can submit claims collectively. Some examples of family dental insurance available in Indonesia are Cigna Dental Family, AIA Smile, and Manulife Dental Care.
3. Campus Dental Insurance
Campus dental insurance is dental insurance provided by your campus as a facility for students. Campus dental insurance usually offers convenience and security in terms of access, service, and cost. You can get dental treatment at your campus clinic or at a network of dentists who collaborate with your campus.
You also don’t need to pay premiums separately, because the costs are included in your tuition. Some examples of campuses that provide dental insurance for their students are the University of Indonesia, Gadjah Mada University, and Airlangga University.
How to Choose the Right Dental Insurance for Students
And to choose dental insurance for college students, you can do several things, as below:
1. Determine Your Needs and Budget
The first step in choosing the right dental insurance for college students is determining your needs and budget. You must know the current condition of your dental and oral health, as well as your future dental care plans.
You also need to know how much money you can allocate to pay dental insurance premiums each month. This can help you choose dental insurance that suits the coverage, benefits and costs you want.
2. Compare Various Dental Insurance Options
The second step in choosing the right dental insurance for students is to compare the various dental insurance options available on the market. You can look for information about dental insurance from various sources, such as the internet, social media, magazines, or friends.
You can also contact the insurance company directly or through an agent to get a quote and consultation. You should pay attention to several important aspects when comparing dental insurance, such as:
– Coverage: what types of dental treatment are covered by dental insurance, such as examinations, cleanings, fillings, tooth extractions, tooth roots, dentures, etc.
– Benefits: what benefits do dental insurance policy holders get, such as maximum claim limit, payment percentage, waiting period, etc.
– Costs: how much premium the dental insurance policy holder must pay each month, and whether there are any additional costs, such as administration fees, registration fees, or consultation fees.
– Network: who are the dentists who collaborate with the insurance company, as well as the locations of clinics or hospitals that can be used by dental insurance policy holders.
3. Choose the Dental Insurance that Best Suits You
The third step in choosing the right dental insurance for students is choosing the dental insurance that best suits you. You must consider all the aspects that you have compared previously, as well as ensure that you understand the terms and conditions that apply to the dental insurance you choose.
You should also check the credibility and reputation of the insurance company you choose, and ensure that you get good and fast service. Once you have selected the dental insurance you want, you can apply and sign a contract with the insurance company.
And that’s an explanation of dental insurance for college students, along with how to choose the right dental insurance for college students. Hope it is useful!
