{"id":760,"date":"2023-08-18T06:00:34","date_gmt":"2023-08-17T22:00:34","guid":{"rendered":"http:\/\/www.pacificprime.hk\/blog\/?p=760"},"modified":"2023-08-18T09:45:29","modified_gmt":"2023-08-18T01:45:29","slug":"purchasing-dental-insurance-hong-kong","status":"publish","type":"post","link":"https:\/\/www.pacificprime.hk\/blog\/purchasing-dental-insurance-hong-kong\/","title":{"rendered":"Top 5 Questions to Ask Before Purchasing Dental Insurance in Hong Kong"},"content":{"rendered":"

There are many reasons as to why people don\u2019t go to the dentist, one of which is the cost. One of the best ways to offset the cost of going to a dentist is<\/span> dental insurance<\/span><\/a>.<\/span><\/p>\n

If you are considering securing dental insurance in Hong Kong for you or your family, then this article by<\/span> Pacific Prime Hong Kong<\/span><\/a> has 5 questions you should know the answer to before you purchase a dental plan.<\/span><\/p>\n

\n

\"Individual<\/a><\/p><\/div>\n<\/span><\/p>\n

1. How Much Can I Expect to Pay for Dental Work in Hong Kong?<\/strong><\/h2>\n

Before looking into securing dental insurance it could prove beneficial to be aware of the approximate costs of dental work in Hong Kong. Unlike healthcare, the Hong Kong government does not subsidize the cost of dental care for residents unless you are a student or a government employee.<\/span><\/p>\n

This means that if you need to see a dentist, you are going to have to do so via the private system. As far as costs, like visiting private healthcare facilities, the cost of dental work will vary by dental practice and even the dentist.<\/span><\/p>\n

Generally speaking, you can expect to pay around HKD $600 to HKD $2,500 for a consultation and examination, with extra work such as fluoride sealant and X-rays costing extra.<\/span><\/p>\n

For reference, as a teaching hospital,<\/span> The Prince Philip Dental Hospital\u2019s<\/span><\/a> prices will be about as low as they will get. At Prince Philip, examination costs between HKD $600 to HKD $2,500 and a permanent extraction can cost between HKD $700 to HKD $2,000.<\/span><\/p>\n

2. Do I Actually Need Dental Coverage?<\/strong><\/h2>\n

The provision of medical benefits to staff is becoming increasingly popular in Hong Kong. <\/span>In some cases, you may have some sort of dental coverage. For example, many medical plans sold in Hong Kong will cover emergency dental care of some sort.<\/span><\/p>\n

Businesses have come to realize that taking care of their employees and providing better employee benefits can lead to a massive boost in productivity and employee morale. Some companies even go so far as to also provide coverage for vision.<\/span><\/p>\n

If your company does offer dental coverage, it would still be a good idea to review your coverage details, as there may be limits and exclusions included. Knowing this can help you to better understand whether your plan will be enough to cover your needs and, if not, what you need to get on your own.<\/span><\/p>\n

It is also a good idea to review your<\/span> company\u2019s insurance plan<\/span><\/a> and see whether or not it extends coverage to family members. While it is less common nowadays, some companies will extend insurance coverage to an employee\u2019s dependents.\u00a0<\/span><\/p>\n

If this is the case, there is a high chance that you may not need to secure dental coverage, especially if the limits offered are high enough to cover you and your family\u2019s yearly dental needs. You can also consider<\/span> topping up your company\u2019s insurance<\/span><\/a> plan and only pay extra for the dental cover.<\/span><\/p>\n

3. What Does Dental Insurance in Hong Kong Cover?<\/strong><\/h2>\n

Like other types of insurance sold in the city, each dental insurance plan will provide varying levels of<\/span> Dental treatment in Hong Kong<\/span><\/a>. At the very least, plans will cover<\/span> routine dental procedures<\/span><\/a> such as:<\/span><\/p>\n