In China, the medical insurance of employees is managed by the social insurance bureaus of various provinces or regions, and the specific proportion and limit of dental reimbursement will be different. Under normal circumstances, the proportion of dental insurance reimbursement for employees is relatively low, mainly because of high dental medical expenses and limited medical insurance funds.
Taking Beijing as an example, according to local policies, the reimbursement rate of dental diseases by employee medical insurance is 40%. This means that employees need to bear 60% of their own expenses after seeing a doctor, and the remaining 40% can be reimbursed through medical insurance. At the same time, dental medical expenses also have a certain limit, and the part that exceeds the limit must be borne by itself.
It should be noted that the specific reimbursement ratio and limit may be adjusted according to different regions and different medical projects. In addition, the balance in the employee's personal medical insurance account will also affect the reimbursement ratio. If the personal account balance is insufficient, the reimbursement ratio will be reduced accordingly.
In addition to employees' medical insurance, some units also provide employees with commercial medical insurance, and the reimbursement rate of dental commercial medical insurance may be higher, but it needs to be determined according to specific terms.
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