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 as stated below:
· Coverage for dental treatment
Secure substantial coverage for dental treatments. The dental insurance policy available at Bajaj Finance lets you enjoy coverage of up to Rs. 10,000 on periodontal diseases and gingivitis.
· 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.
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.
However, if your health insurance does not include dental care, you can purchase the dental insurance policy through Bajaj Finance. It is available as a pocket insurance plan.
Eligibility criteria and documents required for a dental insurance
If you buy a dental insurance coverage offered through Bajaj Finance, you need to check the details given below:
Eligibility criteria for Dental Cover
- The Dental Cover available on the Bajaj Finance Insurance Mall is available only for existing Bajaj Finance customers.
- The age of the applicant must be between 18 and 50 years.
- Only Indian nationals are eligible.
Documents required for Dental Cover
You need not present any document while purchasing the Dental Cover. However, you need to provide the following details:
- 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
Key inclusions and exclusions for dental insurance plans
Mentioned below is an overview of the inclusions present in the dental insurance policy. They are:
- Oral check-up
- Preventive health check-up
- Preventive treatment
- Root canal treatment
- Dental injury due to an accident
There are exclusions in the policy that you must be aware of. Refer to the same given below:
- Jaw alignment