Dental Insurance plans in India

Know about dental insurance plans online, their coverage and benefits.
Dental Insurance plans in India – Benefits and coverage details
3 mins
1st-June-2023

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:

  • 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 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
  • X-rays
  • Fillings
  • Extractions
  • 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:

  • 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. Alternatively, you can get the standalone dental care insurance plan through the Bajaj Finance portal.

· 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.

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.

How to file a claim for dental insurance?

If you buy the plan from Bajaj Finance Insurance Mall, then you can follow the steps given below to claim benefits of the Dental Cover:

  • You can write to the insurer, in this case, Aditya Birla Health Insurance, and share your policy documents and medical reports.
  • You can also call the toll-free helpline number - 1800-270-7000 and claim the benefits.

Before you buy dental insurance, go through the terms and conditions, since they vary from one insurer to another.

3 mins
1st-June-2023

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:

  • 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 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
  • X-rays
  • Fillings
  • Extractions
  • 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:

  • 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. Alternatively, you can get the standalone dental care insurance plan through the Bajaj Finance portal.

· 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.

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.

How to file a claim for dental insurance?

If you buy the plan from Bajaj Finance Insurance Mall, then you can follow the steps given below to claim benefits of the Dental Cover:

  • You can write to the insurer, in this case, Aditya Birla Health Insurance, and share your policy documents and medical reports.
  • You can also call the toll-free helpline number - 1800-270-7000 and claim the benefits.

Before you buy dental insurance, go through the terms and conditions, since they vary from one insurer to another.

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.

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Disclaimer

Bajaj Finance Ltd. (BFL) is merely a distributor of third party products from Assistance Services providers such as CPP Assistance Services Pvt Ltd, Bajaj Finserv Health Ltd.(BFHL), AWP Assistance India Pvt. Ltd. (Allianz), Doc Online Health India Pvt Ltd. etc. Issuance of the product is at sole discretion of Assistance Company or Services provider . The product and services or benefits assured under the product shall be governed by respective partner’s product T&C’s and BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. Your purchase of an assistance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any product. For more details on terms and conditions, inclusions and exclusions please read the product sales brochure carefully before purchase or subscription. All product information such as membership fees, benefits, exclusions, value added services, etc. are authentic and solely based on the information received from the respective value added service provider or Assistance company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.