Insurance Periodicals

Dental insurance for children's accident insurance

In September last year, Mr. Zhang received Qian Qian and arranged for her to study at the Cuiwei Campus.

On the morning of March 9th, Qian Qian fell and fell in the gym class, broke her face and cut off three teeth. At that time, the teacher performed anti-inflammatory treatment on the wound on Qianqian's face, and then Qianqian returned home by bus.

After arriving home, Qian Qian cried and said that her headache, toothache, and nausea were vomiting. Mr. Zhang immediately took her to the First Affiliated Hospital of the Medical College. The doctor handled the wound on his face and thought it was fine. But the dentist said that 10 children have changed their deciduous teeth, and the teeth will not re-grow after the teeth are broken, and the repair work can only be carried out after the children have grown their teeth.

Mr. Zhang said that he had inquired from several doctors that the repair cost of three teeth would be several thousand.

Filling is a beauty category?

On March 12, Mr. Zhang took Qian Qian to the school to claim compensation. The school said that the school had already been insured and gave him a contact number for a staff member of the insurance company branch company.

The staff member of the insurance company listened to the situation described by Mr. Zhang and said that “the teeth are in the beauty category, not in the insurance category”, so that Mr. Zhang will send the medical certificate and other relevant materials to the school, and the insurance party will contact the school. . Mr. Zhang did it, but he did not get a reply.

When interviewed by the reporter, the relevant person in charge of the school said that the cost of repairing the teeth, the insurance company will not be able to claim compensation, there is no conclusion, wait until Qianqian treatment is completed.

The employee of the insurance company said that Mr. Zhang said that because he did not get the medical certificate and other materials, the insurance company's medical examination post has not yet been reviewed, so it is impossible to conclude whether it can be settled. The insurance company's medical audit post staff said that as long as it is within the scope of claims, the insurance company will certainly make claims according to relevant regulations.

school to bear the responsibility of compensation

Subsequently, the reporter another insurance company in the district, the company staff said that in the course of accidental injury, the involvement of dental injuries in claims is more controversial, and the company pays little attention to this aspect of compensation.

Mr. Zhan Fujin, director of Zeshang Law Firm, said that according to the situation reflected by Mr. Zhang, first of all, the school has to take the responsibility of guardianship. During the school, the school has the duty to supervise the minors, so after the students are injured at the school, the school To bear the corresponding liability. Then, the school must claim from the insurance company according to the contractual contents signed by it and the insurance company. If it is within the scope of the claim, the insurance company should pay.

Dental insurance for children's accident insurance
In September last year, Mr. Zhang received Qian Qian and arranged for her to study at the Cuiwei Campus. On the morning of March 9th, Qian Qian fell and fell in the gym class, broke her face and cut off three teeth. At that time, the teacher

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