Dental Insurance A White Collar Robbery

Dental Insurance A White Collar Robbery



Dental Insurance a​ White Collar Robbery?
Dental Insurance is​ a​ big racket I ​ dont say this to​ offend you. it​ is​ a​ big racket having 32 teeth Normally! Still not clear on​ why do I ​ call it​ a​ racket? Well,​ if​ you​ break a​ cord of​ the​ racket,​ only that cord needs to​ be replaced; the​ racket is​ in​ tact. Similarly,​ if​ you​ lose a​ teeth God forbid,​ the​ loss is​ limited. How expensive the​ dental treatment is! you​ give your teeth to​ the​ dentist and make payment as​ well.
Without insurance protection,​ dental treatment is​ a​ difficult proposition. I ​ remember about a​ real life incident. a​ health benefit scheme was introduced in​ a​ Bank under which actual dental care treatment expenses for Officers were reimbursed in​ full. the​ response to​ the​ scheme was awesome. Claims for reimbursement of​ expenses poured in. it​ almost assumed the​ form of​ a​ racket.
One particular officer tendered bills for reimbursement of​ expenses,​ almost daily. One day I ​ asked the​ dealing Assistant,​ Whats wrong with the​ dental health of​ this Officer? is​ he dentally,​ medically unfit? Going by the​ claims he is​ submitting and the​ nature of​ dental problems descriptions,​ not only he,​ his next seven generations need to​ be declared medically unfit! I ​ added.
This happens with every good scheme,​ badly implemented. But most of​ the​ schemes today are not so good policies and implemented quite effectively by the​ insurance agents.
As for making the​ plans,​ the​ think tanks in​ any insurance company are capable of​ working wonders. the​ premium structure is​ so planned,​ you​ just dont realize,​ how nicely they take out the​ money from your pocket! After all they have to​ pay fat salaries to​ their executives,​ their fat TA bills,​ the​ airconditioned comfort in​ the​ offices and residences,​ the​ huge housing loans at​ negligible rates of​ interest,​ the​ bonuses and incentives,​ ample number of​ holidays,​ travel by air and a​ lot more expenses.
The normal essential dental plan covers eligible expenses including diagnosis expenses,​ prevention and treatment expenses,​ dental cleansing,​ dentures and fixtures and surgery. you​ need to​ study the​ policy terms and conditions carefully as​ there are always ifs and buts conditions,​ and the​ settlement of​ the​ claims depends upon the​ social ethics of​ the​ society/country. the​ clause conditions apply mostly works to​ the​ disadvantage of​ the​ policyholders.
Someone has compared the​ insurance business with,​ white collar robbery. He must be having his valid reasons!




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