ACE's Dental Care Plan Gains Traction in Asia Pacific

SINGAPORE, Dec 19, 2011 (BUSINESS WIRE) -- ACE Asia Pacific, part of the ACE Group of Companies, global leaders in insurance and reinsurance announced today the successful roll-out of the ACE Dental Care Plan in Thailand, Singapore, Malaysia and Indonesia, providing more than 700,000 active policy holders with valuable dental insurance. Korea was the first to kick-off the roll-out in 2009 and remains in the forefront of the take-up of this policy.

The ACE Dental Care Plan is part of ACE Asia Pacific's core business line of Accident & Health. This business is committed to deliver innovative insurance products that help to protect the Insured against serious impact from sudden injury or catastrophic illness. These programs range from traditional accident and medical programs for employers and their employees to specialty accident and health products and programs like the Dental Care Plan.

The Plan is unique in that it provides a wellness-based living benefit using a local network of dentists. This approach limits the traditional cost barriers for dental treatment for customers so that they can benefit from a range of preventative treatments, standard procedures and access to qualified dental providers. Customers availing themselves to the ACE Dental Care plan can save up to 20% for non-core treatments.

According to Juan Luis Ortega, Regional Head of Accident & Health ACE Asia Pacific, "Our ongoing objective in Accident & Health is to provide our partners and customers alike with new and innovative products; offering good value protection at an affordable price. The ACE Dental Care differentiates ACE as an Accident & Health insurance provider as it enhances our product offering suite and product touch points with existing policyholders."

Dental Care now makes up a significant portion ACE's Direct Marketing new business activity in the Asia Pacific. This innovative plan is offered to the customers of various business partners ranging from well-known international and local financial institutions to home-shopping channels.

Moving forward the ACE Dental Care Plan, which forms an integral part of the policyholder cross-sell strategy, will be offered to an extensive pipeline of partners in 2012. To sustain its competitive lead further in the region, ACE will grow its business partners and product offering on its Direct Marketing channels in addition to efforts at product enhancement.

About ACE Asia Pacific

ACE Asia Pacific is part of the ACE Group of Companies(R), one of the world's largest providers of commercial property & casualty insurance and reinsurance serving a diverse group of clients. Headed by ACE Limited /quotes/zigman/519506/quotes/nls/ace ACE -0.27% , a component of the S&P 500 stock index, the ACE Group conducts its business on a worldwide basis with operating subsidiaries in more than 50 countries and a strong presence in Asia Pacific.

ACE's franchise in the Asia Pacific comprises an extensive network of operations serving Australia, Hong Kong, Indonesia, Korea, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand and Vietnam.

ACE Asia Pacific has a diversified product suite which has two core business pillars: Property & Casualty and Accident & Health. Supplementing these primary lines of business is a growing array of Personal & Business Insurance Solutions.

Across Asia Pacific, ACE is well-respected for its creativity in Direct Marketing which broadens the reach of consumer-oriented products to meet diverse needs. This creativity in direct marketing is tempered by strong underwriting discipline across all lines of business.

For more information, visit www.acegroup.com

Dental Insurance Questions & Answers

More Dental Insurance quesions please visit : InsuranceQuotesFAQ.com

Best dental insurance?
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Adviser Surgery: Dental plans

Q. HOW DOES A CORPORATE DENTAL PLAN WORK?

A. Denplan operates under a community-rated pricing structure so is able to offer a more stable premium and avoid fluctuations in cost. Denplan offer dental payment plans through a variety of funding methods from fully and part-funded plans through to flex or voluntary products. Plans can also be tailored to meet individual companies’ needs, so there’s a plan for everyone.

Q. WHY CAN IT BE MORE COST EFFECTIVE THAN INDIVIDUAL COVER?

A. Costs for a dental plan start from as little as £4 per employee per month and many providers offer a wide range of value-added services for both companies and employees – not to mention broker-specific benefits.

Q. ARE ALL DENTAL BENEFITS THE SAME?

A. No, dental benefits from specialist providers offer meaningful levels of reimbursement for dental care, whereas dental insurance schemes and cash plans will usually offer just a contribution (say £50 per policy year), which is just a small amount towards average dental costs in the UK.

Q. DO EMPLOYEES VALUE DENTAL BENEFITS?

A. Corporate dental benefits provide a financial incentive to employees, ensuring they receive the very best in preventive dental care. With some payment plan specialists offering money back for NHS charges as well as private care, dental is a benefit that can be widely used and is therefore more attractive to employees.

Q. WHAT DOES THE FUTURE HOLD FOR NHS DENTISTRY?

A. With funding getting tighter across the board and £20bn of efficiency savings for the NHS to take into account, it seems unlikely that the NHS can support further investment in dentistry. Professional regulations also mean that dental costs have risen over the last few years – making budgeting for dental care more difficult for individuals. This makes access to a dental benefit though an employer all the more appealing.

Q. I’M NEW TO INTERMEDIATING DENTAL BENEFITS. WHAT SUPPORT IS AVAILABLE FOR ME?

A. It’s important that brokers have a good knowledge of the dental industry. Expert dental companies, unlike general insurance providers, can provide experience based on the latest developments in the dental industry and specifically tailored to promote preventive dental care. Some providers can also offer value-added services such as broker-specific newsletters, annual research and a range of sales-aids to give you all the latest dental news and product information.

It will be easy to claim dental insurance

In order to make it easier for people to claim dental insurance, the Indian Dental Association has decided to ask all dental practitioners to standardise dental procedures to arrive at the average cost of treatment.

At present, lack of standardised procedures means that people who undergo expensive dental treatment find it difficult to get their claims settled.

There is no standard cost for dental procedures and insurance companies turn the claims down.

“If all doctors follow the same procedure, it will be very easy to get an average cost acceptable to insurance companies… We are going to standardise the costs to get rid of the problem,” said Dr Ashok Dhoble, secretary of IDA.

The IDA plans to look into every aspect of insurance, given that charges may vary across cities.

Tricks to tame dental bills, insured or not

Nearly half of Americans lack dental insurance, and every visit carries the threat of a bill for thousands of dollars.

Even those with insurance can face steep costs for major work.

Patients often have to pay about 50 percent of the bill after meeting their plan's deductible.

On top of that, many plans also have limits of about $1,500 for how much they will pay in a year, and some insurers won't cover pricey procedures like a dental implant.

Here are a few tricks for saving money and trying to manage dental work costs:

Can I negotiate a bill with my dentist?

If you have insurance coverage, the dentist has already shaved 10 percent to 15 percent off his price in order to get into the insurer's network, so don't expect another discount on top of that.

If you don't have insurance, you might have some wiggle room on the price, as long as you negotiate before you have the care done.

That's when you still have the power to take your business elsewhere.

Are there discount cards or other coverage options available for the uninsured?

Some practices are so big they offer their own dental plans that give patients discounts in exchange for monthly premiums. Dentists also can connect patients with a third-party to set up a payment plan, which will tack on interest and other fees.

Some insurers and companies that form dental networks offer discount cards. Patients should learn how the discounts apply and make sure their dentist participates.

What about care from dental students?

Dental schools charge less for care ranging from a routine cleaning to root canals or even oral surgery.

The Indiana University School of Dentistry, for instance, charges half what a private dentist might charge for preventive care like a cleaning. Students also do filings, crowns, bridges and dentures under instructor supervision.

The tradeoff for these discounts is time. Students generally work slower than dentists, and supervisors must check their work.

What are some other money-saving options?

Overseas dental clinics, some of which cater to foreign customers, can offer care at a fraction of U.S. costs.

But follow-up care can be tricky, the patient needs time off work to travel and liability issues can be cloudy if something goes wrong.

Some dentists also are open to bartering too, where a patient can trade a skill like Web design for care.