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 Description||Type of Cover||Waiting Periods||Prime||Bronze||Silver||Gold|
|Consultations (including Infection Control, Local Anaesthetic & Sterilisation)||3 months||2 Visits @ R420 each||3 Visits @ R420 each||4 Visits @ R420 each||5 Visits @ R420 each|
|Fillings||3 months||2 Events @ R400 each||3 Events @ R400 each||4 Events @ R500 each||4 Events @ R500 each|
|X-rays||3 months||2 X-rays @ R120 each||3 X-rays @ R120 each||5 X-rays @ R150 each||6 X-rays @ R150 each|
|Extractions||3 months||2 Events @ R250 each||3 Events @ R250 each||3 Events @ R300 each||4 Events @ R350 each|
|Emergency Root Canal||3 months||2 Events @ R190 each||3 Events @ R200 each||3 Events @ R300 each||3 Events @ R300 each|
|Bite Plate||3 months||n/a||1 per annum @ R600||1 Per annum @ R800||1 Per annum @ R1 000|
|Mouth Guard||3 months||n/a||1 per 24 month cycle @ R400||1 Per 24 month cycle @ R400||1 Per 24 month cycle @ R600|
|Pan Scan (for over 18 yrs)||1 month||n/a||1 per policy holder @ R350||1 per policy holder @ R350||1 Per policyholder @ R350|
|Preventative: Scale and polish||3 months||n/a||n/a||1 Event @ R280||2 Events @ R280 each|
|Wisdom Teeth in Chair||6 months||2 Teeth @ R580 each||n/a||4 Teeth @ R1 000 each||4 Teeth @ R1 250 each|
|Wisdom Teeth in Hospital||6 months||n/a||n/a||2 Teeth @ R3 500 each||4 Teeth @ R3 500 each|
|Root Canal||6 months||n/a||n/a||2 Events @ R1 500 each||3 Events @ R1 750 each|
|Dentures||6 months||n/a||1 full set every 5 years @ R3 000||1 full set every 5 years @ R3 000||1 Full set every 5 years @ R3 500|
|Temporary Crowns||6 months||2 Events @ R450 each||1 Events @ R450 each||2 Events @ R600 each||3 Events @ R600 each|
|Crowns and Bridgework||6 months||n/a||1 Event @ R3 000||1 Event @ R3 000||1 Event @ R3 500|
|Implants (Pin and Placement)||6 months||n/a||n/a||1 Event @ R5 000||2 Event @ R6 000|
|Value Added Benefits|
|Trauma||1 month||1 Per Year @ R16 000||1 Per Year @ R16 000||1 Per Year @ R25 000||1 Per Year @ R25 000|
|Premium Waver||1 month||n/a||3 Months premium||3 Months premium||6 Months premium|
|Principal (18 yrs+)||New members must be under 65 yrs.||R33pm||R122pm||R239pm||R339pm|
|Spouse/Adult dependant||New members must be under 65 yrs.||R29pm||R104pm||R180pm||R276pm|
|Child (0 -21 yrs)||New members must be under 65 yrs.||R24pm||R68pm||R117pm||R173pm|
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.