Drum Dental Gap

Registration Number 2007/019358/07

FSP Number: Juristic Representative of FAIS-IT – 45810

Dental Risk Underwriting Managers (Pty) Ltd identified the need in South Africa for a dental benefit insurance plan. DRUM’s stakeholders developed a unique cost effective dental policy called DentalRisk Insurance.  This product enhances the benefits of any person with a medical aid or medical hospital plan. It further allows people who cannot afford traditional medical aid their constitutional right to basic and specialised dental care.

 

 

Benefit DescriptionType of CoverWaiting PeriodsPrimeBronzeSilverGold
Basic Dentistry
Consultations (including Infection Control, Local Anaesthetic & Sterilisation)3 months2 Visits @ R340 each3 Visits @ R340 each4 Visits @ R340 each5 Visits @ R340 each
Fillings3 months2 Events @ R300 each3 Events @ R300 each4 Events @ R400 each4 Events @ R400 each
X-rays3 months2 X-rays @ R75 each3 X-rays @ R75 each5 X-rays @ R85 each6 X-rays @ R90 each
Extractions3 months2 Events @ R180 each3 Events @ R180 each3 Events @ R200 each4 Events @ R260 each
Emergency Root Canal3 months2 Events @ R190 each3 Events @ R190 each3 Events @ R300 each3 Events @ R300 each
Bite Plate3 monthsn/a1 per annum @ R6001 Per annum @ R8001 Per annum @ R1 000
Mouth Guard3 monthsn/a1 per 24 month cycle @ R4001 Per 24 month cycle @ R4001 Per 24 month cycle @ R600
Pan Scan (for over 18 yrs)1 monthn/a1 per policy holder @ R3001 per policy holder @ R3001 Per policyholder @ R300
Preventative: Scale and polish3 monthsn/an/a1 Event @ R1502 Events @ R200 each
Specialised Dentistry
Wisdom Teeth in Chair6 months2 Teeth @ R580 eachn/a4 Teeth @ R1 000 each4 Teeth @ R1 250 each
Wisdom Teeth in Hospital6 monthsn/an/a2 Teeth @ R3 500 each4 Teeth @ R3 500 each
Root Canal6 monthsn/an/a2 Events @ R1 300 each3 Events @ R1 500 each
Dentures6 monthsn/a1 full set every 5 years @ R3 0001 full set every 5 years @ R3 0001 Full set every 5 years @ R3 500
Temporary Crowns6 months2 Events @ R450 each1 Events @ R450 each2 Events @ R600 each3 Events @ R600 each
Crowns and Bridgework6 monthsn/a1 Event @ R3 0001 Event @ R3 0001 Event @ R3 500
Implants (Pin and Placement)6 monthsn/an/a1 Event @ R5 0002 Event @ R6 000
Value Added Benefits
Trauma1 month1 Per Year @ R16 0001 Per Year @ R25 0001 Per Year @ R25 0001 Per Year @ R25 000
Premium Waver1 monthn/a3 Months premium3 Months premium6 Months premium

 

Premiums:

 

MemberAge LimitPrime
Monthly Premium
Bronze
Monthly Premium
Silver
Monthly Premium
Gold
Monthly Premium
Principal (18 yrs+)New members must be under 65 yrs.R31pmR115pmR225pmR320pm
Spouse/Adult dependantNew members must be under 65 yrs.R27pmR98pmR170pmR260pm
Child (0 -21 yrs)New members must be under 65 yrs.R23pmR64pmR110pmR163pm

Please note:

There is no orthodontic cover.Applicants must complete a panoramic scan within the 1st 3 months of membership, paid for by Drum in accordance to their benefit structure.There is a network of dentist but you not restricted to it however there could be shortfalls for out of network dentists.Teeth extracted or missing prior to inception are not covered or may have an extended waiting period imposed in certain cases.


The benefit descriptions in this brochure do not supersede the Benefit Policy.E&OE. NOTE: BENEFITS AVAILABLE PER ANNUM TO APPLICANTS IF AGREEMENT IS ENTERED INTO BEFORE THE AGE OF 65.Claims have a 30 day turn around time. Claims need to be submitted within 30 days of the procedure.

xxx Specialised procedures requires pre – authorisation before any treatment commences.

xxx TRAUMA – in case of Trauma, authorisation must be given within 48 hours of the event occurring.

 

Downloads

2018 DRUM Brochure

2018 DRUM Application Form

2018 DRUM Policy Wording