Is root-canal treatment covered by National Health Insurance? What about microscopic root-canal treatment?

Coverage items and conditions always follow the National Health Insurance Administration's current announced payment standards; this card makes no determination [F1][F2]. You can check the Administration's current payment-standard page, which offers the current files [F2], and the government open-data dataset “Medical Service Payment Items and Payment Standards (CSV),” whose fields include procedure code and Chinese item name and which is updated every 1 day [F3]. For self-paid fees, use the fee standard approved by the health bureau of the county or city where you receive care [F6][F13]. Article 51(11) of the National Health Insurance Act also expressly lists dentures and other appliances not of a positive therapeutic nature as outside benefits [F5].

Will private insurance pay? Does root-canal treatment count as “surgery”?

It depends on the policy terms; ask the insurer that underwrote the policy [F30]. The definition of “surgery” used by a policy is in your own terms, and this site does not interpret terms or judge individual cases. Two things can be stated: “surgical classification” is a named type of claim-complaint dispute in the Financial Ombudsman Institution's public statistics, showing that the issue exists [F16]; and the literature classifies root-canal retreatment as non-surgical and root-end resection as surgical, but that is a clinical classification, not a determination of insurance-contract terminology [F18][F30].

“Microscopic root-canal treatment” sounds more advanced. Does that make it surgery?

“Microscopic” describes magnification equipment; it does not tell you whether this treatment is surgery [F19][F21]. In the literature, comparative studies of magnification devices exist only in the surgical setting; for non-surgical treatment and root-end surgery. All three prospective studies in one systematic review concerned endodontic surgery, and there were no comparative magnification-device studies for orthograde (non-surgical) root-canal treatment [F19]. Endodontic microsurgery is defined as root-end surgery with high-power magnification from a surgical microscope or endoscope [F21]. The procedure you received is named in the treatment plan and record; whether a policy pays depends on its terms, so ask the insurer [F30].

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Will insurance pay for root-canal treatment? Is it covered by National Health Insurance? — National Health Insurance follows the current notice; private insurance follows your policy terms｜證據鏈

km 編輯部2026-08-13About 25 min read

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