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