The first batch of post-90s people went bankrupt because of dental care? Dental insurance is on fire, and many insurance companies have increased their layout.

"This is my third tooth! I spent 30,000 to 40,000 yuan back and forth, purely at my own expense, and my medical insurance was not reported. It is really difficult to save money for half a year, and once I returned to before liberation. " A post-90s friend complained to Zheng.

At present, "planting a tooth is equal to buying a BMW" and realizing the freedom of dental care has become a great wish of the post-90 s generation.

Based on the optimistic outlook of the dental medical market, many insurance companies have increased the layout of dental insurance and launched a variety of products. However, some insiders said that for insurance companies, the profitability of dental insurance is limited, and the more critical role lies in drainage and publicity.

How expensive is dental care?

In recent years, "expensive dental care" has become a kind of knowledge and has become a hot topic on the Internet for many times.

So how expensive is dental care?

Generally speaking, tooth washing is around 300 yuan; Filling about 300-500 yuan; Wisdom tooth extraction is about 500- 1000 yuan; The average price of dental implants is 6000- 18000 yuan; Orthodontics 15000-30000 yuan.

The reason why dental care is so expensive is that besides the high cost of materials and labor, there is another reason that most oral treatment programs are not covered by medical insurance.

There are few medical insurance items for oral medical services, and medical insurance only reimburses basic materials and treatment fees, while dental implants and orthodontics are not covered by medical insurance. In addition, the self-funded proportion of oral medical insurance reimbursement is relatively high.

Insurance companies increase their layout

Zheng Zhongjun conducted incomplete statistics on the Internet platform. Up to now, companies such as Dida Property Insurance, Anda Property Insurance, Sunshine Property Insurance, Taiping Property Insurance and Taikang Online have all launched special dental insurance.

Generally speaking, dental insurance includes dental treatment and accidental dental protection. Among them, dental treatment includes not only daily preventive health care, but also basic treatment such as tooth extraction and complex treatment such as orthodontics and implant correction.

The layout of dental insurance by major insurance companies proves to some extent that the dental medical service market has a good development scene.

Ping An Securities believes that according to the development path of the United States, the dental field in China and China is about to enter a stage of rapid development. Orthodontics and dental implants have a vast market space, or they will become the growth core of the dental medical industry. According to estimates, the current market size of dental implants and orthodontics in China is 34.7 billion yuan and 27 1 100 million yuan respectively, and the penetration rate is only 0. 15% and 0.68%. "If the penetration rate of dental implants is increased to 1%, then the market can reach 200 billion yuan; The orthodontic penetration rate reaches 5%- 10%, and the market can exceed 300 billion yuan. "

However, some insurance brokers said that dental insurance is the product of cooperation between insurance companies and dental clinics. "Insurance companies don't expect such products to make money at all. They just drained the money from the dental clinic and made some advertisements for themselves. "

Another senior broker said: "Dental insurance itself can cover diseases, and the products themselves also have cooperative clinics. In addition to the compensation amount in the contract, they also have a private cooperation agreement. For insurance companies, the significance of dental drainage is greater than profit, which may be flat in and flat out. "