2020년 최고의 치아보험 추천

치아보험은 인터넷으로 직접설계할 수 있는 다이렉트 상품부터 전문 보험설계사와의 상담을 통해 가입할 수 있는 상품까지 다양하게 존재하며, 그 보장 내용이 다양하고 선택특약을 통한 상품 커스터마이징이 가능해 직접적인 비교가 어렵습니다. 밸류챔피언에서는 16개의 보험사의 65개 치아보험 상품을 연령, 성별, 보장 범위, 보장 기간 등에 따라 분석한 뒤 치아보험 가입시 유의해야할 핵심 요소들을 알아보았습니다.

최저가 치아보험 견적 비교 가성비 좋은 치아보험

건강보험심사평가원의 2018년 통계에 따르면 병원 방문 빈도가 높은 질환 중 2위가 치은염 및 치주질환, 6위는 치아우식증으로 나타났습니다. 국민건강보험에서 일부 치과 치료비를 지원해주고 있기는 하지만 정작 치료비용 부담이 큰 항목들은 비급여 항목으로 지정되어있어 이는 온전히 본인 부담으로 남게 됩니다. 실제로 치과진료비의 경우 환자 본인이 부담해야 하는 금액률이 약 84% 가량으로 다른 질병들보다 진료비 본인부담률이 훨씬 높은 것으로 나타났습니다. 따라서 치아보험 가입자는 자주 발생하고 큰 돈 드는 치과 진료에 대비한 효과적인 보장이 포함되어있는 치아보험을 선택해야합니다. 아래 본문에서 보험사별 치아보험 보험료, 보장범위, 보장내용, 가입 시 유의해야 할 점에 대해 자세히 살펴보겠습니다.

최저가 치아보험 견적 비교

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Image\" data-eventlabel=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kbinsure.co.kr%252Fmain.ec\"\u003E\u003Cimg alt=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - 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Image\" data-eventlabel=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samsungfire.com%252F\"\u003E\u003Cimg alt=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: \uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Button\" data-eventlabel=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samsungfire.com%252F\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate dental_insurance_companies: \uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Image\" data-eventlabel=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samsungfire.com%252F\"\u003E\u003Cimg alt=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: \uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Button\" data-eventlabel=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samsungfire.com%252F\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

현존하는 치아보험의 평균 보험료는 45세 남성 기본형 10년만기 최초계약 기준 40,704원으로, 보험사별 상품에 따라 지불해야 하는 가격이 최대 4배까지 차이가 납니다. 기본형 10년만기 보험은 상품종류가 총 19개로 가장 많은 보험사들에서 제공하고 있으며 가장 필수적인 보장들을 포함하고 있기 때문에 가장 많은 사람들에게 추천 가능한 유형입니다. 기본형 20년만기 보험은 10년만기 보험 다음으로 일반적으로 제공되는 치아보험 유형으로 시장변화에 따른 가격변동 위험성이 적고, 면책기간이나 감액기간등을 고려했을 때 보장면에서 조금 더 유리하지만, 매월 납입해야하는 보험료가 비교적 높다는 점을 유의해야 합니다.

45세 남성 기본형 10년만기 최초계약 기준 보험료는 40,704원으로, 보험사에 따라 최소 2만2080원부터 최대 6만4800원까지 지불해야합니다

치아보험 보험료는 보험가입자의 나이에 비례하게 증가합니다. 나이가 많을 수록 치아관련 질병의 발병률이 높기 때문에 보험가입자가 매 월 지불해야하는 보험료 또한 높게 책정됩니다. 예를 들어, 기본형 10년만기 최초계약 기준 25세 남성의 평균 보험료는 20,514원으로, 45세 남성의 평균 보험료인 40,704원의 절반 수준을 나타냅니다. 따라서 동일한 최초가입자라도 보험가입자의 나이가 많을 수록 보험료도 비싸지지만, 몇몇 보험사들은 다른 보험사들에 비해 전반적으로 저렴한 보험료를 제공하기도 합니다.

보험사25세35세45세
ABL 인터넷치아보험9900원1만5650원2만9900원
DB손보 다이렉트참좋은치아사랑보험1만1180원1만7080원2만9760원
교보라이프플래닛 e건강치아보험1만3170원1만9640원3만7150원
KB손보 다이렉트치아보험1만4375원2만2629원3만7690원
에이스손보 다이렉트 순수보장형1만5410원1만3050원2만2080원
현대해상 퍼펙트치아보험1만8500원2만6천원3만9640원
한화손보 하얀미소플러스치아보험2만5원1만9485원3만2939원
삼성화재 다이렉트 치아보험2만349원3만306원3만9513원
ABL 활짝웃는치아건강보험2만410원3만2180원3만550원
에이스손보 다이렉트 만기환급형2만740원1만7800원2만6460원
NH농협생명 밝은얼굴치아보험 1종2만천원2만4200원3만3500원
DB생명 참이로운치아보험2만2400원2만8800원4만7200원
라이나생명 다이렉트 치아보험2만4347원3만943원4만4426원
삼성화재 다이렉트 치아보험2만4500원3만6400원4만7500원
흥국생명 미소굿치아보험 순수보장형2만7200원3만7천원6만3900원
라이나생명 THE치아보험3만1200원3만7800원5만3천원
NH농협생명 밝은얼굴치아보험 2종3만4200원3만9300원5만4500원
흥국생명 미소굿치아보험 영구치유지축하형-4만원6만4800원
기본형, 10년만기 기준

보험사 별 치아보험 보장내용 비교

치아보험은 치료 방법의 종류와 보험사에 따라 보장 금액이 다릅니다. 치아보험에서 보장하는 치료들은 크게 기본치과치료, 보존치료, 보철치료로 구분할 수 있습니다. 그렇다면 이 세가지 보장에는 구체적으로 어떤 치료들이 포함되어있을까요?

기본치과치료 보장금액 분석

기본치과치료에는 치주질환(잇몸질환)치료, 치석제거(스케일링), 치아촬영(X-ray 및 파노라마 촬영), 치수치료(신경치료), 치아 발치처럼 간단한 치료들을 포함하고 있습니다. 각 보험사마다 보장하는 금액이 조금씩은 다르나, 보통 1만원에서 3만원 사이를 보장하는데, 이는 가입금액에 따라 달라질 수 있음을 유의해야 합니다. 또한, 몇몇 보험사에서는 기본치과치료에 대해 부분적으로만 보장하기 때문에 어떤 보험사가 어떤 치료들을 보장하는지 꼼꼼히 살펴야 합니다.

보험상품치주질환치석제거(스케일링)치아촬영(X-ray/파노라마)치수치료(신경치료)영구치발거
ABL 인터넷 치아보험2만원---
ABL 활짝웃는치아건강보험2만원---
DB생명 참이로운치아보험-2만원--
DB손보 다이렉트3만원1만원1만원2만원2만원
KB손보 다이렉트2만원1만원1만원2만원-
NH농협생명 치아보험 1종2만원1만원1만원2만원1만원
NH농협생명 치아보험 2종2만원1만원1만원2만원1만원
교보라이프플래닛 e건강치아보험---2만원-
라이나생명2만원1만원-2만원-
라이나생명 다이렉트2만원1만원-2만원2만원
삼성생명 인터넷1만원5천원5천원1만원1만원
삼성화재 다이렉트 순수보장형2만원1만원1만원3만원2만원
삼성화재 다이렉트 일부환급형2만원1만원1만원3만원2만원
에이스손보 다이렉트 순수보장형-1만원1만원-1만원
에이스손보 다이렉트 만기환급형-1만원1만원-1만원
한화손보2만원1만원1만원2만원2만원
현대해상 다이렉트3만원1만원1만원3만원10만원
흥국생명 순수보장형-1만원-4만원1만원
흥국생명 영구치유지축하형-1만원-4만원1만원
기본형, 10년만기 기준

보존치료 보장금액 분석

보존 치료는 충치 부분을 긁어내고 빈 공간을 채워 넣는 치료로, 충전 치료(아말감/글래스아이노머, 복합레진, 인레이, 온레이), 크라운치료를 포함합니다. 같은 충전 치료에서도 충전물의 비용 정도에 따라 그 보장금액이 달라집니다. 예를 들어 아말감과 글래스아이노머와 같이 저렴한 충전물을 사용한 충전 치료의 보장 금액은 금이나 세라믹과 같은 고급 충전물을 사용한 충전치료의 보장 금액보다 적습니다. 각 보험사마다 보장하는 보존치료 보장금액은 아래와 같습니다.

보험상품크라운아말감/글래스아이노머레진인/온레이
ABL 인터넷 치아보험15만원1만5천원7만5천원10만원
ABL 활짝웃는치아건강보험30만원3만원15만원20만원
DB생명 참이로운치아보험20만원5만원20만원20만원
DB손보 다이렉트10만원1만원5만원5만원
KB손보 다이렉트20만원2만원10만원10만원
NH농협생명 치아보험 1종20만원1만원5만원10만원
NH농협생명 치아보험 2종20만원1만원5만원10만원
교보라이프플래닛 e건강치아보험20만원4만원15만원15만원
라이나생명 THE치아보험20만원1만원5만원5만원
라이나생명 다이렉트20만원1만원5만원5만원
삼성생명 인터넷12만5천원1만5천원7만5천원10만원
삼성화재 다이렉트 순수보장형30만원1만5천원15만원18만원
삼성화재 다이렉트 일부환급형30만원1만5천원15만원18만원
에이스손보 다이렉트 순수보장형10만원1만원5만원7만원
에이스손보 다이렉트 만기환급형10만원1만원5만원7만원
한화손보20만원2만원10만원10만원
현대해상 다이렉트20만원2만원10만원10만원
흥국생명 순수보장형30만원20만원10만원30만원
흥국생명 영구치유지축하형30만원20만원10만원30만원
기본형, 10년만기 기준

보철치료 보장금액 분석

보철치료는 인공적으로 치아를 만들어 대체하는 치료로, 임플란트, 브릿지(고정성 가공의치), 틀니(가철성 의치)가 속합니다. 대부분의 보험사에서 브릿지 치료에 대한 보장 금액은 임플란트와 틀니 치료에 대한 보장금액의 50%만 지급하는 것을 아래 표에서 확인할 수 있습니다.

보험상품임플란트브릿지틀니
ABL 인터넷 치아보험50만원25만원50만원
ABL 활짝웃는치아건강보험100만원50만원100만원
DB생명100만원100만원100만원
DB손보 다이렉트50만원25만원50만원
KB손보 다이렉트100만원50만원100만원
NH농협생명 치아보험 1종50만원50만원100만원
NH농협생명 치아보험 2종50만원50만원100만원
교보라이프플래닛100만원50만원100만원
라이나생명100만원50만원100만원
라이나생명 다이렉트100만원50만원100만원
삼성생명 인터넷100만원50만원100만원
삼성화재 다이렉트 순수보장형100만원50만원100만원
삼성화재 다이렉트 일부환급형100만원50만원100만원
에이스손보 다이렉트 순수보장형100만원100만원200만원
에이스손보 다이렉트 만기환급형100만원100만원200만원
한화손보100만원50만원100만원
현대해상 다이렉트100만원50만원100만원
흥국생명 순수보장형100만원50만원100만원
흥국생명 영구치유지축하형100만원50만원100만원
기본형, 10년만기 기준

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Image\" data-eventlabel=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kbinsure.co.kr%252Fmain.ec\"\u003E\u003Cimg alt=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Button\" data-eventlabel=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kbinsure.co.kr%252Fmain.ec\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate dental_insurance_companies: KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Image\" data-eventlabel=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kbinsure.co.kr%252Fmain.ec\"\u003E\u003Cimg alt=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Button\" data-eventlabel=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kbinsure.co.kr%252Fmain.ec\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate dental_insurance_companies: \uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Image\" data-eventlabel=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samsungfire.com%252F\"\u003E\u003Cimg alt=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: \uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Button\" data-eventlabel=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samsungfire.com%252F\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate dental_insurance_companies: \uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Image\" data-eventlabel=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samsungfire.com%252F\"\u003E\u003Cimg alt=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: \uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Button\" data-eventlabel=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samsungfire.com%252F\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

대부분의 치아보험의 보장내용과 보장금액은 선택특약의 유무에 따라 큰 차이를 보입니다. 치아보험은 보험가입자가 주계약을 바탕으로 선택특약을 가감해 개인의 필요에 맞게 보장내용과 보장금액을 조율할 수 있습니다. 선택특약의 유무에 따라 크게 세개의 보험유형 (실속형, 기본형, 고급형)으로 나누어지는데 치아보험에서 실속형보다는 기본형이, 기본형보다는 고급형의 보험료가 높습니다.

실속형 치아보험의 평균 보험료는 2만1666으로 고급형 치아보험의 평균 보험료인 6만2411원과 3배정도 차이가 나는 것을 알 수 있습니다

치아보험 유형에 따른 보장내용과 보장금액

치아보험은 그 유형에 따라 같은 질병내에서도 보장금액이 크게 달라질 수 있습니다. 16개 보험사의 실속형, 고급형 10년만기 보험상품들의 보장금액 평균값은 아래와 같습니다. 이는 통상적인 평균을 구한 것이므로, 개별 상품의 보장에는 차이가 있음에 유의하시기 바랍니다.

보험유형별 평균 보장금액 (실속형, 고급형 7년+10년만기)

보험유형임플란트 치료비크라운 치료비치석제거(스케일링) 치료비치주질환 치료비
실속형64만1667원17만5천원9286원2만원
고급형126만3636원29만0909원1만909원2만4286원

치아보험의 보장내용과 보장금액은 보험사마다 다르게 제공되기 때문에 상품 비교시 각 보험사가 어떤 보장을 얼마만큼의 금액으로 제공하는지 꼼꼼히 따져봐야 합니다. 45세 남성이 기본형 상품을 최초계약했을 때 받게 되는 보험사별 보장금액을 정리한 아래 표를 보면 어떤 금액이 보편적인지 확인할 수 있습니다.

보험상품임플란트 치료비크라운 치료비치석제거(스케일링) 치료비치주질환 치료비
ABL 인터넷 치아보험50만원15만원-2만원
ABL 활짝웃는치아건강보험100만원30만원-2만원
DB생명100만원20만원2만원-
DB손보 다이렉트50만원10만원1만원3만원
KB손보 다이렉트100만원20만원1만원2만원
NH농협생명 치아보험 1종50만원20만원1만원2만원
NH농협생명 치아보험 2종50만원20만원1만원2만원
교보라이프플래닛100만원20만원--
라이나생명100만원20만원1만원2만원
라이나생명 다이렉트100만원20만원1만원2만원
삼성생명 인터넷100만원12만5천원5천원1만원
삼성화재 다이렉트 순수보장형100만원30만원1만원2만원
삼성화재 다이렉트 일부환급형100만원30만원1만원2만원
에이스손보 다이렉트 순수보장형100만원10만원1만원-
에이스손보 다이렉트 만기환급형100만원10만원1만원-
한화손보100만원20만원1만원2만원
현대해상 다이렉트100만원20만원1만원1만5천원
흥국생명 순수보장형100만원30만원1만원-
흥국생명 영구치유지축하형100만원30만원1만원-

보장금액 대비 보험료 분석을 통한 가성비 비교

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate dental_insurance_companies: DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8 - Image\" data-eventlabel=\"DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fm.idblife.com%252FSMOCO00001M.mvc\"\u003E\u003Cimg alt=\"DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/5-db\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/5-db 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/5-db 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8 - Button\" data-eventlabel=\"DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fm.idblife.com%252FSMOCO00001M.mvc\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate dental_insurance_companies: DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8 - Image\" data-eventlabel=\"DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.idblife.com%252Fsupport%252Finquire%252Fhome%253FcurPage%253D1%2526search%253D\"\u003E\u003Cimg alt=\"DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/5-db\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/5-db 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/5-db 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8 - Button\" data-eventlabel=\"DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"DB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \ucc38\uc88b\uc740\uce58\uc544\uc0ac\ub791\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.idblife.com%252Fsupport%252Finquire%252Fhome%253FcurPage%253D1%2526search%253D\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate dental_insurance_companies: ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8 - Image\" data-eventlabel=\"ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.abllife.co.kr%252F\"\u003E\u003Cimg alt=\"ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8 - Button\" data-eventlabel=\"ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.abllife.co.kr%252F\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate dental_insurance_companies: ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8 - Image\" data-eventlabel=\"ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.abllife.co.kr%252F\"\u003E\u003Cimg alt=\"ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8 - Button\" data-eventlabel=\"ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"ABL\uc0dd\uba85\ubcf4\ud5d8 \uc778\ud130\ub137 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.abllife.co.kr%252F\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate dental_insurance_companies: KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Image\" data-eventlabel=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kbinsure.co.kr%252Fmain.ec\"\u003E\u003Cimg alt=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Button\" data-eventlabel=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kbinsure.co.kr%252Fmain.ec\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate dental_insurance_companies: KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Image\" data-eventlabel=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kbinsure.co.kr%252Fmain.ec\"\u003E\u003Cimg alt=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Button\" data-eventlabel=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uc190\ud574\ubcf4\ud5d8 \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kbinsure.co.kr%252Fmain.ec\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate dental_insurance_companies: \uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - Image\" data-eventlabel=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samsungfire.com%252F\"\u003E\u003Cimg alt=\"\uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/4-samsung-anycar 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate dental_insurance_companies: \uc0bc\uc131\ud654\uc7ac \ub2e4\uc774\ub809\ud2b8 \uce58\uc544\ubcf4\ud5d8 - 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치아보험을 선택함에 있어 보험료가 상대적으로 저렴하다고 해서 더 좋은 보험이라고 말할 수는 없습니다. 합리적인 보험료로 자신의 필요에 가장 알맞는 치아보험을 선택하기 위해서는 적용위험률을 먼저 고려해야 합니다. 적용위험률이란 한 개인이 사망하거나 질병에 걸리는 등의 일정한 보험사고가 발생할 수 있는 확률을 말합니다. 만약 보험가입자가 임플란트 보장금액이 가장 큰 치아보험상품을 선택했는데 추후에 해당 치료를 받을 확률이 현저히 낮다면 그 보장금액은 큰 의미가 없다고 봐도 무방할 것입니다.

따라서, 실제로 보험사고가 발생할 수 있는 확률을 각 보장금액에 반영해 가중이 된 보장금액들을 비교해 분석하는 것이 더 정확합니다. 치아보험과 관련있는주요치주질환치료 발생률, 스케일링 발생률, 충전치료(상해) 발생률, 충전치료(질병) 발생률, 보철치료 발생률을 수집해 각 보장금액에 반영하고 가중된 보장금액들을 월별 보험료로 나누어 어떤 치아보험상품이 45세 남성에게 가장 가성비가 높은지 아래 표에서 정리했습니다.

45세 남성이 기본형 10년만기 상품에 가입했을 때 어떤 보험상품이 가성비가 높은지 비교해봤습니다
보험사별 상품명월별 보험료가중된 보장금액가성비
ABL 활짝웃는치아건강보험3만550원18만1169원5.93
삼성화재 다이렉트 순수보장형3만9513원18만4719원4.67
에이스손보 다이렉트 순수보장형2만2080원9만6193원4.36
한화손보 하얀미소플러스치아보험3만2939원14만2077원4.31
삼성화재 다이렉트 일부환급형4만7500원18만4719원3.89
KB손보 다이렉트 치아보험3만7690원14만2077원3.77
교보라이프 플래닛 e건강치아보험3만7150원13만5284원3.64
에이스손보 다이렉트 만기환급형2만6460원9만6193원3.64
현대해상 퍼펙트 치아보험3만9640원14만12673.56
NH농협생명 밝은얼굴치아보험 1종3만3500원11만7077원3.49
라이나생명 다이렉트치아보험4만4426원14만2077원3.20
ABL 인터넷치아보험2만9900원9만2206원3.08
DB생명 참이로운치아보험4만7200원14만2385원3.02
흥국생명 미소굿치아보험 순수보장형6만3900원18만1477원2.84
흥국생명 미소굿치아보험 영구치유지축하형6만4800원18만1477원2.80
삼성생명 인터넷치아보험3만8880원10만6699원2.74
라이나생명 THE치아보험5만3000원14만2077원2.68
DB손보 다이렉트참좋은치아사랑보험2만9760원7만6057원2.56
NH농협생명 밝은얼굴치아보험 2종5만4500원11만7077원2.15
45세 남자 기본형 10년만기 가입기준

보험사별 고객만족도

치아보험은 다른 장기보험 상품보다 월 보험료가 저렴한 상품에 속하기 때문에 전문 보험설계사의 상담을 통한 가입보다는 인터넷을 통한 다이렉트 가입이 더 보편적입니다. 인터넷을 통해 직접 치아보험에 가입한 경우 보험가입자가 보상과 청구에 관해 보험사에 직접 연락을 취해야 합니다. 치아관련 질병은 실생활에 밀접하고 빈번하게 발생할 수 있는 만큼 보험사 별 보험금 지급과 보험금 만족도에 관한 자료를 꼼꼼히 살펴보는 것이 중요합니다. 보험사 별 고객 서비스 수준에 대한 이해를 돕기 위해 손해보험협회와 생명보험협회에서 공시한 2019년 보험사 별 고객만족도 지표를 아래 표에 정리했습니다.

보험사명부지급률보험금 불만족도
ABL0.560.42
라이나생명0.580.64
DB생명0.80.56
한화손보0.860.06
교보생명0.890.39
KB손보1.10.08
흥국화재1.160.14
삼성생명1.210.6
흥국생명1.210.4
메리츠화재1.360.24
DB손보1.390.18
NH농협생명1.490.09
현대해상1.710.15
삼성화재1.740.14
에이스1.790.18
교보라이프플래닛1.882.22
업계평균1.230.41

치아보험 가입 시 유의할 점

치아보험에는 보험 적용 대상에 대한 제약들이 존재합니다. 따라서, 실질적인 치아보험의 혜택을 받기 위해서는 가입 전 해지환급금, 보장 개수 제한, 면책기간과 감액기간등 보험 약관들을 꼼꼼히 살피고 비교해 보아야 합니다.

해지환급금이란 보험계약을 중간에 해지하는 경우 보험사가 보험계약자에게 돌려주는 돈을 말합니다. 보험가입시 해지환급금 관련 사항을 정확하게 인지하지 못하여 추후 사정에 따라 보험을 해지하게 될 경우 후회하는 경우가 종종 발생합니다. 이러한 상황을 사전에 방지하기 위해, 보험가입자는 보험료, 보장내용, 보장금액 뿐만 아니라 기간별 해지환급률을 꼼꼼히 살펴보고 자신의 현재, 향후 상황에 맞는 상품을 찾아야합니다.

보험사1년3년5년10년
교보라이프 플래닛2.72%29.73%27.38%19.86%
라이나0.00%0.00%4.10%4.60%
DB손보0.00%9.10%23.70%31.20%
DB생명0.00%12.60%16.90%6.30%
에이스손보0.00%0.00%8.80%13.20%
삼성생명0.00%0.00%18.30%24.70%
ABL0.00%27.60%29.80%21.30%
현대해상0.00%9.00%11.30%16.70%
삼성화재13.40%20.10%15.10%0.00%
교보생명0.00%21.50%23.80%15.70%
메리츠화재0.00%0.40%2.20%0.00%
흥국생명0.00%12.70%10.40%0.00%
흥국화재5.40%23.30%31.20%34.70%
한화손보10.31%7.30%25.70%26.10%
NH농협손해보험32.70%47.20%49.70%50.00%
KB 손보0.00%12.60%11.30%0.00%
업계평균3.80%13.77%19.08%15.55%

치아보험에는 지급한도가 있어 연간 받을 수 있는 치료 횟수(예시: 크라운 연간 3개, 틀니 연간 1회)나 치아 개수(예시: 보존 및 충치치료 치아당 1개)가 한정되어 있습니다. 이를 확인하지 않고 치료받을 경우, 보장 개수를 초과한 비용을 개인이 부담해야 하는 상황이 벌어질 수 도 있기 때문에 이를 가입전에 반드시 염두에 두어야합니다. 보험사마다 지급한도는 다르지만 그 차이의 폭은 크지 않습니다. 각 보험사에서 제시한 평균 보장 개수를 치료별로 정리했습니다.

연간 보장개수 제한

치과치료개수
임플란트연간 3개 (치아당)
브릿지연간 3개 (치아당)
틀니연간 1회
크라운연간 3개 (치아당)
인레이/온레이연간 3개~무제한 (치아당)
인레이/온레이 외연간 3개~무제한 (치아당)
치수치료연간 3개~무제한 (치아당)

다른 보험들과 달리 치아보험은 통상 90일의 면책기간과 1년 또는 2년의 감액기간이 있는데, 이는 보험가입자가 치아에 문제가 있다는 걸 알고 있음에도 불구하고 이를 알리지 않고 치아보험에 가입한 후 치아치료를 받을 목적으로 한 가입을 방지하기 위한 제도입니다. 면책기간은 대부분 가입 당일부터 90일 이후까지 해당하는데, 이 기간동안 보험가입자는 치아보험에 가입한 후 치과 치료를 받았다고 해서 바로 보장을 받는 것이 아니라 가입날로부터 90일이 지난 다음에야 보험금을 지급받을 있습니다. 면책기간이 끝나도 감액기간(보존치료나 치아치료는 1년, 보철치료는 2년) 내에는 보험금 지급 사유가 발생하더라도 보장금액의 50%만 보상받을 수 있고, 감액기간 이후부터 100%를 보상받을 수 있습니다.

치아보험 리서치 방법론

밸류챔피언은 정보의 일관성을 유지하기 위해 리서치 방법론 확립에 많은 노력을 기울이고 있습니다. 치아보험 분석에는 손해보험회사와 생명보험회사의 치아보험 데이터를 수집하여 활용하였습니다. 성별, 연령, 납기일, 직종 등에 따라 16개사의 보험료 견적을 산출한 뒤, 이를 보장내용과 보장기간 별로 나누어 각 요소와 보험료 간의 상관관계를 분석하였습니다. 보험료 견적 산출에 사용된 가입자 정보는 아래와 같습니다.

구분내용
조사범위16개 보험사 65개 치아보험(실속형 15개, 기본형 32개, 고급형 19개)
보장기간7년, 10년, 15년, 20년, 25년
성별/연령 기준45세 남성(기본형 10년만기)
가입자 정보전기납, 월납, 상해1급

밸류챔피언에서는 소비자의 편리를 위해 간편설계가 가능한 치아보험 상품에 대해 중점적으로 조사하였고, 데이터 수집에 활용된 보험사들은 아래와 같습니다.

치아보험 회사 리스트
교보라이프플래닛라이나생명DB손해보험메리츠화재
DB생명에이스손해보험삼성생명흥국생명
ABL삼성화재NH농협손해보험현대해상
흥국화재한화손해보험교보생명KB손해보험

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