Dental Insurance plans in India

Discover dental insurance plans in India that cover preventive care, OPD consultations, surgeries, and more. Protect your dental health with comprehensive coverage.
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3 mins
24-September-2024

Dental treatment can be comparatively costlier in comparison of other medical treatments. Further, most insurers do not provide dental care in their health insurance plans. So, to secure coverage against dental care bills, you can buy a standalone dental insurance plan available at a nominal premium.

What is a dental insurance plan?

The dental insurance plan provides coverage for the high-end expenses incurred on dental healthcare. Since this treatment requires advanced equipment and the involvement of an expert doctor, the entire process can be significantly high. With this dental insurance policy, you can lessen your financial pressure and get proper dental treatment on time without making out-of-pocket payments.

What are the benefits of a dental insurance plan?

By opting for a dental insurance policy, you will get multiple benefits. Discussed below are a few common benefits of the plan:

· Coverage for dental treatment

Secure substantial coverage for dental treatments. Coverage includes dental treatment necessitated by disease or injury, subject to policy terms and conditions.

· Free Consultations

Having this insurance will help you avail consultations with professional dentists without spending a single penny from your pocket.

· Reduces treatment charges

Dental insurance covers several dental procedures and minor surgical treatments. Traditional health insurance only offers partial coverage for these procedures. Thus, dental insurance reduces your financial burden for dental treatments considerably.

· Free preventive dental care

Health insurance with dental cover provides coverage for preventive dental care measures such as teeth scaling, cleaning, and diagnostic tests.

If you want to secure benefits from the dental insurance policy, you can easily purchase it online without furnishing any documents.

Pro Tip

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Why should you buy dental insurance plans?

Dental treatment charges are very costly since the treatment involves cutting-edge technologies, high-end lab set-up, etc. So, you need to avail yourself of this insurance plan. Some health insurance policies offer coverage for not only dental expenses but other medical expenses as well. These are hospitalisation charges, the cost of medicines, and more.

Eligibility criteria for dental insurance

Eligibility criteria for dental insurance typically include individuals aged 18 to 65 years, with policies available for renewal beyond this age. Some plans may cover dependent children under a family plan. Pre-existing dental conditions may not be covered initially, and a waiting period could apply for certain treatments. Dental insurance can be purchased as a standalone policy or as an add-on to existing health insurance plans. Specific eligibility requirements can vary by insurer.

Documents required for Dental Cover

You need not present any document while purchasing the Dental Cover. However, you need to provide the following details:

  • Name
  • Address
  • Email address
  • Mobile number

While at the time of purchase, you may not have to present any document. The following documents need to be presented to claim benefits of the plan:

  • Policy document received at the time of purchase
  • Medical certificates and reports received from the doctor
  • Invoice/bills

Key inclusions under dental insurance plans

Dental insurance plans typically cover preventive care, basic procedures, and major treatments. This includes regular check-ups, cleanings, fillings, root canals, and sometimes orthodontics. Mentioned below is an overview of the common inclusions present in the dental insurance policy. They are:

  • Oral check-up
  • X-rays
  • Fillings
  • Extractions
  • Preventive health check-up
  • Preventive treatment
  • Root canal treatment
  • Dental injury due to an accident

Key exclusions under dental insurance plans

Dental insurance plans often exclude cosmetic procedures, pre-existing conditions, and elective surgeries. Coverage for braces and dental implants may also be limited or excluded. There are certain exclusions in the policy that you must be aware of. Refer to the same given below:

  • Dentures
  • Orthodontic
  • Implants
  • Jaw alignment
  • Prosthesis

How dental health insurance works?

A dental health insurance plan works as per the following:

· OPD add-on

In India, generally, standard health insurance plans do not cover dental care and treatments due to their high price. However, you can purchase the add-on dental plan by paying an extra premium.

· Higher limit

Dental insurance policies cover up to a predetermined upper limit after which insurance providers do not compensate for dental expenses. For instance, suppose you have a coverage limit of Rs. 30,000 and your dental bill is Rs. 45,000. In this case, you will have to pay an extra Rs. 15,000 from your pocket.

· Waiting period

Similar to other health insurance policies, waiting periods in health insurance also applicable in dental add-on covers. The duration of this waiting period varies from one insurance provider to another.

· Settlement of claim

When it comes to dental plans, you can opt for reimbursement or avail cashless treatment facility. However, keep in mind that it entirely depends on the terms and conditions of the policy.

How to file a claim?

To file a claim under dental insurance in India, follow these steps:

Step 1: Inform the insurance company immediately after receiving dental treatment.

Step 2: Obtain and complete the claim form provided by the insurer.

Step 3: Provide supporting documents such as bills, prescriptions, and treatment records.

Step 4: The insurer will review the submitted documents.

Step 5: Based on your policy, receive either reimbursement or direct cashless treatment.

Things to remember while buying dental insurance

When it comes to taking care of your dental health, it's important to have the right insurance coverage in place. But with so many dental insurance options available, choosing the right plan can be overwhelming. To help make the decision easier, here are a few things to keep in mind while buying dental insurance:

  • Check the plan's coverage on routine check-ups, cleanings, and x-rays.
  • Look for a plan that covers preventative care such as fluoride treatments and sealants.
  • Consider the plan's coverage for major procedures like root canals and extractions.
  • Compare pricing and deductibles between different plans.
  • Check if the plan offers coverage for orthodontic treatment if needed.

By keeping these points in mind, you can make an informed decision when choosing the dental insurance plan that's right for you.

What are the health insurance plans that provide dental coverage in India?

In India, health insurance with dental cover is offered as part of comprehensive plans. These plans can cover dental treatments, such as routine check-ups, procedures, and preventive care. Typically, dental coverage is provided under the following types of health insurance:

Family Health Insurance: Covers dental treatments for the entire family, ensuring oral health care for all family members.

Individual Health Insurance: Offers dental coverage tailored to individual needs, covering routine and emergency dental procedures.

Critical Illness Health Insurance: May include dental treatment as part of overall coverage for severe health conditions, where dental health impacts overall wellness.

OPD Health Plans: These plans cover outpatient dental procedures, including consultations and treatments without requiring hospitalisation.

These options offer flexibility to incorporate dental care into broader health insurance policies.

Frequently asked questions

Does dental insurance cover tooth extraction costs?

Yes. Most dental insurance policies provide coverage for the expenditures incurred on tooth extraction. However, as insurance plans vary among insurers, it is better to check the terms and conditions in the first place.

Is there coverage for root canal treatment under dental insurance plans?

Yes, maximum numbers of dental insurance plans provide coverage for root canal treatment. However, due to the differences in the rules and regulations of various health insurance plans, please go through them before availing of the policy.

Does dental health insurance cover dental implants?

No, most insurers treat dental implants as cosmetic surgery, without the requirement of any medical procedures. However, there can be an exception if the implant process has to be performed in the event of an accident, illness, or injury.

Do dental insurance policies cover accidental dental injuries?

Dental health insurance provides coverage for the treatment of dental injuries caused by accidents. However, a dental healthcare expert must recommend the treatment.

How to choose the best dental insurance in India?

While choosing the best dental insurance in India, one should consider the following factors:

  • Coverage for routine dental check-ups, cleaning and X-rays
  • Coverage for dental procedures such as fillings, root canals, and extractions.
  • Coverage for orthodontic treatment
  • Network size with preferred dentists
  • Deductibles and co-pays
  • Financial stability of the insurance company
  • Claims support and customer service

  • Coverage for orthodontic treatment

Is accidental dental injury covered by all dental insurance plans?

No, not all dental insurance plans cover accidental dental injury. Many dental insurance plans exclude accidental dental injury coverage in their policies. It's important to go through the policy document and understand what is covered and what is not. Some plans offer accidental dental injury coverage as an add-on feature.

Is dental treatment covered in mediclaim in India?

In India, Mediclaim policies generally do not cover dental treatments unless related to accidental injuries or surgeries requiring hospitalisation. However, some health insurance plans offer dental coverage as an add-on or as part of OPD coverage.

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