Commercial medical insurance for dental implants cannot be reimbursed. Commercial medical insurance can generally reimburse the reasonable and necessary medical expenses incurred by the insured due to disease or accident, while dental implant obviously does not belong to accident or disease, so it is not covered by commercial medical insurance. However, if it is due to personal injury, the dental implant can also be reimbursed.
Legal basis
Article 10 of the Insurance Law is an agreement between the applicant and the insurer to agree on the relationship of insurance rights and obligations. An applicant refers to a person who has entered into an insurance contract with an insurer and is obligated to pay the premium in accordance with the contract. An insurer refers to an insurance company that has entered into an insurance contract with an applicant and is liable for compensation or payment of insurance benefits in accordance with the contract. Article 11 In concluding an insurance contract, the parties shall reach consensus through consultation and follow the principle of fairness in determining the rights and obligations of each party. Insurance contracts are concluded on a voluntary basis, except where insurance is required by laws and administrative regulations.
