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 Wisdom Logo Wisdom Dental Insurance

 Aquilla Financial Solutions negotiated with Denis Insurance Administrators to provide our clients with a product that will allow you to look after your teeth where your medical aid fails.

 Family Dental Insurance

Medical aid ensures that your body is healthy, but what about your teeth? Medical aid plans often fall short of adequate dental cover. Wisdom’s revolutionary new dental insurance fills the gap when you need it most, leaving you free to confidently show off your healthy smile.

 Frequently asked questions:

 What is Wisdom dental insurance?

Dental insurance is not medical aid. It is a short term health insurance product regulated by the FSB in South Africa. Internationally, a separate dental insurance policy is the most common way to cover your dental needs. Even in countries like Great Britain, where they have a strong social health service, more than 8 million people are covered by private dental insurance.

 Why dental insurance?

Wisdom’s revolutionary dental insurance is the first product of its kind in South Africa.
Dental insurance protects you against such shortfalls by complementing your existing medical plan, thus ensuring that unexpected dental events are covered.

 The aim is to provide you with financial assistance so that modern dental treatment is affordable when you need it. Using dental insurance as standalone cover, or to supplement the gap in medical aid cover makes good financial sense.

 What is the difference between insurance and medical aid?

South African law governs medical aid and insurance separately and there are rules that each must adhere to.
Dental insurance falls under the authority of the Financial Services Board (FSB)

Insurance is different to medical aid primarily because insurance does not pay your doctor or dentist directly, insurance pays you. Furthermore, insurance does not prescribe which doctor or dentist to visit, or what treatment you should have.

 What benefits are covered by Wisdom Dental Insurance?

It is simpler to describe what is not covered than what is. By law insurance cannot pay if nothing is wrong with you. In other words if you go to the dentist and you do not need treatment, insurance will not pay for that consultation. Review the benefit table to see what financial assistance is available for various procedures.

 How do I claim?

Claims should be submitted directly to the claims administrator by providing us with a completed claim form and a copy of the dentist’s invoice or diagnostic report. Claims are paid within 5 working days of receipt.

The claim can be posted or emailed. If in doubt, call 086 010 4940 and we will gladly assist you.

 

Wisdom Dental Insurance Plans

 

TREATMENT

INSURED CONDITION

BASIC

STANDARD

PRESTIGE

COMPREHENSIVE

WAITING PERIOD

Emergency root canal

Dental emergency

R300 per event

R300 per event

R300 per event

R300 per event

None

Temporary crown

Accidental tooth fracture

R2 000 per event

R2000 per event

R2000 per event

R2000 per event

None

Scale and Polish

Gingivitis

No benefit

No benefit

R100 per event

R160 per event

3 months

Tooth extraction

Tooth decay, poor prognosis

No benefit

R120 per tooth

R120 per tooth

R250 per tooth

3 months

Dental filling

Tooth decay, good prognosis

No benefit

R250 per tooth

R350 per tooth

R350 per tooth

3 months

Root canal

Dental abscess

No benefit

R700 per tooth

R1 000 per tooth

R1 200 per tooth

3 months

Impacted tooth removal

Impacted tooth

No benefit

No benefit

R500 per tooth

R600 per tooth

6 months

Crown

Severely decayed or damaged tooth

No benefit

No benefit

R2 000 per tooth

R3 500 per tooth

6 months

Gum surgery

Periodontitis

No benefit

No benefit

R1 500 per event

R2 500 per event

6 months

Bridge

Occlusal instability

No benefit

No benefit

No benefit

R2 500 per missing tooth

6 months

Implant

Occlusal instability

No benefit

No benefit

No benefit

R6 000 per missing tooth

6 months

Removable prosthesis (denture)

Loss of teeth

No benefit

No benefit

No benefit

R1 500 per jaw

6 months

Surgery

Jaw fracture

R15 000 per event

R15 000 per event

R15 000 per event

R15 000 per event

None

 

 

COST PER MONTH

BASIC

STANDARD

PRESTIGE

COMPREHENSIVE

Principle Insured

R23

R58

R132

R210

Adult Dependent

R19

R46

R105

R168

Child Dependent

R17

R23

R52

R84

 

Supplementary Rules:

 Implants and Dentures: benefits only available for teeth lost after Commencement Date of insurance.

Pre-existing Conditions: excluded from benefits for a period of 12 months from Commencement Date,

or date of inclusion of an additional insured.

 

Denis Insurance Administrators is an authorised financial services provider

Wisdom dental insurance is administered by Denis Insurance Administrators FSP26/10/36026
Denis products are insured by Guardrisk, an AA rated insurer FSP26/10/75
Wisdom Dental Insurance are Distributed by Aquilla Financial Solutions FSP38139

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