What Is Dental Insurance? An Introduction
Dental treatments have always been expensive. The average cost of teeth alignment in India can vary anywhere between ₹10,000 to ₹3 Lakhs, depending on the kind of braces applied. There are multiple times when you may need dental medical care and have to pay the bills out of pocket. To tackle these expenses, many reputed health insurance companies have introduced dental insurance in India.
Investing in dental insurance coverage in India is uncommon as there is not much information about it. Don't worry! You've landed at the right place, as we help you solve all your queries about dental insurance coverage in this article.
Key Takeaways
- Dental insurance coverage is not available with all health insurance plans in India, as dental procedures are often considered cosmetic.
- You can avail of dental treatments as an add-on with a minimal additional premium cost.
- Investing in dental insurance coverage allows you to avail benefits such as root canals, regular dental check-ups, X-rays, and more.
How Does Dental Health Insurance Work?
Dental insurance coverage works just like every other health insurance in India. Depending on the coverage terms and conditions of a health plan, you are eligible to avail dental treatments by paying additional premiums. To understand how a dental health plan works, there are certain factors you must be aware of:
- Before availing dental treatments, you are required to serve a waiting period, which can vary between 1 and 3 years depending on the insurer.
- There is an upper limit attached to your OPD expenses. For example, if your health coverage has an upper limit of ₹5,000 and your dental treatment costs ₹15,000, the health insurance will only cover ₹5,000 for your dental treatment. You will have to pay the remaining ₹10,000 out-of-pocket.
Your dental insurance coverage will reimburse you for all dental treatments as per your policy wordings, so read them carefully.
Why Is Dental Treatment Not Covered Under Conventional Health Plans?
The exclusion of dental procedures by all health plans is a much-debated topic. Often, health insurance companies do not provide dental coverage in India as these procedures are considered cosmetic. However, not all is grim; multiple health insurance plans in India cover dental treatments either as in-built benefits or as an add-on.
Health Insurance Plans With Dental Cover
| Health Plan | Sum Insured (In Rs.) | Key Features |
|---|---|---|
| Niva Bupa Aspire | Up to ₹1 Crore | Covers maternity, IVF, and legal adoption. Pay premiums as per your entry age until you claim. Avail cashback after every claim-free year. |
| Star Health Assure | Up to ₹2 Crores | Emergency road ambulance, organ donor expense cover, Star wellness programs. |
| Care Supreme | Up to ₹1 Crore | Unlimited automatic recharge, unlimited e-consultations, optional benefits. |
| Aditya Birla Activ One | Up to ₹2 Crores | Protection against medical inflation. No capping on expenses like room rent, ICU charges, etc. Refills your cover up to 100%. |
| Care Critical Mediclaim | Up to ₹2 Crores | Covers 32 defined critical illnesses. Surgical procedures covered. Lifelong coverage. |
Eligibility Criteria For Dental Insurance Plans
Eligibility criteria for dental plans vary from insurer to insurer. However, generic eligibility for dental coverage in India typically ranges from 18 to 65 years. You can also cover family members as young as 90 days under dental coverage. Other family members can be included as per the health plan's terms and conditions.
Benefits Of Dental Insurance Coverage
Investing in dental insurance in India offers a plethora of benefits:
-
Your Financial Safety Net
Dental treatments have the potential to significantly impact your savings if paid out-of-pocket. Therefore, investing in dental insurance plans is advisable.
-
Achieve Optimal Dental Health
Regular visits to the dentist are crucial for maintaining good dental health. If your goal is to maintain all-round dental hygiene and remain free from oral diseases throughout your life, a dental insurance plan is essential.
-
Dental Treatments From The Best
Dental health insurance plans offer cashless treatments from top doctors in your city. Explore the best dental health insurance plans in the market with the help of PolicyX insurance experts.
Dental Insurance Plan Inclusions and Exclusions
| Inclusions | Exclusions |
|---|---|
| Diagnostics like X-rays | Dentures (considered cosmetic procedures) |
| Regular oral health check-ups | Prosthesis |
| Surgery and treatments for dental injuries caused by accidents | Dental Implants |
| Root canal procedure | Orthodontics |
| Fillings, extractions, and others. | Jaw alignment surgeries |
Things To Consider When Buying Dental Insurance In India
Consider the following when buying dental insurance plans:
- The sum insured limit for your dental coverage plan is the most important factor to consider.
- Compare all dental insurance coverage plans to make an informed purchase. Verify if the treatments and procedures you require are covered by your health plan.
- Cross-check all inclusions and exclusions mentioned in your dental insurance coverage.
- Check the available network hospitals.
- Review the claim process and claim support.
Final Words
It is important to note that not all health insurance plans offer dental health coverage. However, you can avail of it as an add-on by paying a minimal additional premium. If you wish to know more about dental coverage plans, connect with PolicyX health insurance experts.
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