The Financial Supervisory Service pointed out that it may be difficult to receive compensation from the insurance company if you subscribe to dental insurance and receive treatment when you already need dental treatment due to cavities or other reasons.
On the 3rd, the Financial Supervisory Service published data on ‘Precautions relating to third party insurance such as sickness and accident insurance’ and announced that insurance benefits will only be paid after first registering for insurance and then obtaining diagnosis and prosthetic or conservative acceptance. treatment for cavities and periodontal disease. The Financial Supervisory Service said, “Insurance holders need to carefully examine the reasons for payment of insurance benefits and the reasons for non-payment under the terms and conditions to ensure there are no disadvantages when filing an insurance claim.”
The Financial Supervisory Service brought major civil complaint cases, including these cases. This is to help consumers understand by providing examples in a situation where disputes between policyholders and insurance companies are increasing as ‘third insurance’, a product covering diseases, injuries and nursing care, becomes more diverse.
According to the Financial Supervisory Service, if you extract a tooth yourself and then visit a dentist and receive an implant treatment from the dentist, you may not be compensated for the cost of prosthetic treatment. In addition, in order to receive dental insurance for prosthetic treatment, you must receive a permanent tooth extraction diagnosis from a dentist and receive prosthetic treatment after the tooth is removed. In addition, it is difficult to receive insurance benefits when replacing or repairing dental restorations or dental prostheses such as crowns, bridges, and implants that have already been treated.
In addition, with regard to nursing care insurance, it has been said that it is necessary to distinguish whether the insurance you have signed up for is a special contract for carer support per day of hospital stay, where the insurance company supports the carer , or a special contract per day for the use of a carer, where insurance money is received after the carer has been used. It was also added that even if illness treatment was also received during the period in hospital for injury treatment, if the need to go to hospital for illness treatment is not recognised, the insurance money will not be the day of departure hospitalization for illness is compensated.
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