A Guide to Secure Your Teeth with Dental Health Insurance

There must be health coverage for every disease or medical condition that you probably know about. But did you know, there is a health insurance plan for your teeth as well? Yes, you heard it right! Multiple insurance companies offer dental coverage with health insurance plans in India. It can help you improve your gum disease, misalignment of teeth, tooth decay, and other oral health issues.

But, what does dental insurance mean and how does it help you get better teeth health? This article has everything that you want to know about dental health insurance plans in India.

How does dental health insurance work?

Dental health insurance can not only help you lower the risk of dental problems but it can also be helpful to cut down financial stress. But how does this plan work?

When you buy a health insurance plan and add on dental insurance along with it, at the time of policy issuance, you agree to pay the insurance provider an additional premium over your base health policy. However, in some cases, insurance companies provide in-built dental coverage with health insurance plans that cover some specific category of dental treatments. These plans usually come with a waiting period due to which you can not claim dental coverage until the waiting period goes on.

Hospitals nowadays have become advanced with a top-notch and complete set-up for dental treatment specialization. Some of the networking hospitals may have this facility under the guidance of which the insurer has agreed on claim settlement. But what if the policyholder doesn’t have a network hospital to get treatment for their dental problems? They need to go to a non-networking hospital for dental care treatment, in return, the cost of treatment will get a reimbursement on the insurer’s behalf. You can receive the claim amount for specific treatment procedures as many times as possible, depending upon the type and sum insured of your dental health plan. The policyholder is often entitled to get preventive dental care during the policy tenure.
To learn in details about dental coverage in health insurance plans, you can check out our article on top 10 health insurance companies.

Eligibility Criteria for Dental Insurance Plans

However, specific plans cover dental insurance under a health policy. The eligibility criteria depend upon the type of policy and the insurance provider you choose to buy a plan with. Read below some specifications related to the eligibility criteria for buying a dental plan:-

Benefits of Dental Health Insurance in India

Dental problems cannot be neglected and assumed to be cheaper while getting treatment. It requires proper consultation and an expert’s guidance. Having a dental insurance plan can be beneficial for your oral health in many ways. Read below the benefits of dental insurance:-

• It provides unlimited free dental consultation to the policyholder till your policy tenure lasts.
• You can get coverage for unlimited digital X-Ray and OPG facility for its policyholder.
• A policyholder can enjoy discounts or receive claims many times for free-of-cost tooth scaling.
• A teeth whitening, amalgam, and composite teeth filling facility is also available in a dental insurance policy
• There are assured benefits at the time of teeth bracing and teeth implantation with teeth insurance.
• Having dental insurance can also offer you facilitation with routine dental checkup procedures.
• Dental insurance also covers the tooth removal cost of the policyholder. Even some minor surgical procedures such as a biopsy of teeth tissue and drainage of minor oral infections are also covered.
• Management of mild infections and lesions. And in case of any existing denture and bridge need some repairing, it is also included in the dental insurance plan.

Note:- Few dental plans do not cover facilities like invisible bracing, lingual braces, or even transplants, so the above-mentioned benefits and coverage are generalized and are not strictly followed by every insurance company. Policy benefit depends on the nature of the plan provided by the company and one should keep a check on the terms and conditions of the policy before buying it.

Inclusion and Exclusion of Dental Insurance Plan

Dental covers are beneficial in multiple ways but where it has specific inclusions. On the other hand, dental plans have their shortcomings as well. Here’s a list of what’s excluded and included in dental insurance plans:-

Documents required for Buying dental insurance plans

You need the below-mentioned documents to buy a dental insurance policy:-

• Doctor’s consultation bill or report in case of Pre-existing dental problem
• KYC Documents
• Email address
• Address proof including Passport, Telephone bill, electricity bill, etc.
• Other documents that are requested by the insurer.

Conclusion

Maintaining our dental health is a little tricky task as we are not so aware of any problems going on with our teeth. In such situations, a health plan accommodating dental care coverage can work wonders for you. You can improve your dental health and cut off extra charges on your hard-earned money. Because, if not now, then when? To know more about our offerings in individual, family, senior citizen health insurance, and group health insurance, give our insurance experts a call today.