Why do we need to have a medical interview for dental insurance?

Why do we need to have a medical interview for dental insurance ? That's a very good question. In fact, there is no pure dental insurance offered by insurers. Dental insurance is always offered as part of a supplementary health insurance, which offers other protections beyond dental insurance.

When you take out dental insurance, the insurer may require a medical interview to assess your state of health and determine potential risks related to your health. This interview can help the insurer establish coverage limits and premiums to charge based on your health.

Additionally, the medical interview can help prevent fraud and protect the insurer against unjustified claims. Although not all dental insurance companies require a medical interview, it is important to understand the terms and conditions of your dental insurance to ensure you have the coverage you need for your dental health and that the cost is reasonable.

Dental insurance, a complement to complementary health insurance

In Canada, dental insurance is often offered as a supplement to supplemental health insurance or health insurance. These types of insurance may provide broader coverage, including for general medical care, dental care, vision care and other medical expenses.

Dental insurance is often considered an important part of supplemental health insurance because it allows policyholders to access essential dental care without having to incur high costs. This may include regular dental exams, cleanings, fillings, extractions, crowns, bridges, implants and other necessary dental care.

It is important to understand that supplemental health insurance can vary widely in coverage and costs, depending on the insurance companies and plans offered. It is therefore recommended that you carefully read the terms and conditions of the insurance before taking out dental insurance or supplementary health insurance, to ensure that the care you need is covered and that the cost is reasonable.

Reasons for requiring a medical interview

The reasons for requiring a medical interview before approving your insurance application may vary, but generally they are:

1. Health assessment. The medical interview allows the insurer to better understand your current state of health and determine potential risks related to your health. This can help the insurer determine the insurance coverage limits and premiums to charge.
2. Fraud prevention : Insurers often conduct medical interviews to prevent fraud. They can check whether the information you provided about your health is accurate and consistent with the interview results.
3. Insurer protection : The medical interview can also help protect the insurer against unjustified claims. If you have a pre-existing medical condition and you purchase supplemental health insurance, the insurer may want to ensure that the condition will not develop into a more serious problem that would require expensive medical care.

It should be noted that not all supplemental health and dental insurance companies require a medical interview. However, even if it is not required, it is still important to understand the terms and conditions of your supplemental health insurance to ensure that you have the coverage you need for your health and that the cost is reasonable.

Conclusion

As part of supplemental health insurance, dental insurance is often offered as a supplement to broader health coverage.

The reasons why a supplemental health insurance company may require a medical interview fordental insurance are similar to those for independent dental insurance. This may include assessing health status, preventing fraud and protecting the insurer from unjustified claims.

Although not all supplemental health insurance companies require a medical interview, it is important to understand the terms and conditions of your insurance to ensure that you have the coverage you need for your dental health and that the cost is reasonable.