Dental Insurance plans in India

Dental insurance in India is a base cover or add-on in health plans that covers dental treatments, surgeries, OPD consultations, and preventive care. It helps reduce out-of-pocket expenses for oral healthcare and ensures financial security.
Get Quote
Check Health Insurance Plans
Get Quote
3 mins
26-August-2025

Dental treatments often come with high costs due to factors like advanced materials, specialized lab setups, inflation, and the expertise required. To ease this burden, many health insurance plans in India provide dental coverage—either included in their basic benefits or available as an add-on. Such plans help policyholders manage dental expenses without bearing the entire cost themselves.

Currently, standalone dental insurance policies are limited in India. In most cases, dental benefits are bundled within a comprehensive health insurance plan, allowing policyholders to claim dental expenses along with other medical costs such as hospitalization charges, medicines, and related reimbursements.

Unexpected medical expenses? Secure your health today with the right insurance!

Explore plans today

What is dental insurance plan in India?

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.

Why should you buy dental insurance plans?

Dental treatments can be costly, as they involve advanced technology, high-end lab setups, and specialized care. To protect yourself from expensive bills, opting for dental insurance is a smart choice. While most health insurance plans exclude dental care, some policies offer comprehensive coverage for both dental expenses and other medical costs, including:

  • Hospitalization charges for dental surgeries and related treatments.
  • Medication costs for post-treatment care and pain management.
  • Preventive dental care like cleanings, fluoride treatments, and routine check-ups.
  • Coverage for major dental procedures, including root canals, extractions, and implants.

Unexpected medical expenses? Stay covered with the right insurance plan!

Explore Insurance Plans Now

Types of health insurance plans offering dental coverage in India

Several health insurance plans in India include dental benefits, either as part of their standard coverage or through add-on options. These include:

  • Individual health insurance plans: These plans may cover an individual’s dental expenses under basic coverage, value-added benefits, or through premium add-on riders. In the case of add-ons, policyholders need to pay an extra premium to avail of the benefit.
  • Critical illness insurance plans: Designed to cover treatment costs for life-threatening illnesses, some of these plans may also include dental surgeries if they are linked to a critical medical procedure.
  • Family floater health insurance Plans:These policies extend dental coverage to the entire family. Depending on the plan, dental treatments and procedures for all insured members may be included.
  • OPD health insurance plans: Such plans provide coverage for outpatient treatments, including dental consultations, diagnostic tests, and prescribed medicines.
  • Personal accident insurance plans: In some cases, these plans cover dental expenses that arise from accidental injuries leading to damage to the insured person’s teeth.

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 are 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.

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

Avail hospitalisation and treatment benefits with health insurance plans starting at just Rs. 15*/day.

health-insurance-banner

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 to Choose the Best Dental Insurance Plan?

Check Coverage Scope – Ensure the plan covers preventive care, routine check-ups, major procedures, and surgeries.

Look for OPD benefits – Opt for a policy that includes outpatient dental consultations and treatments.

Compare premiums & benefits – Balance affordability with comprehensive coverage.

Review waiting periods – Choose a plan with minimal waiting time for claims.

Check network clinics – Ensure access to quality dental care through insurer-approved hospitals and clinics.

Reasons to purchase dental health insurance

Investing in teeth insurance can help you manage high dental care expenses with ease. Some key reasons include:

  • Cost management: Covers expensive treatments like root canals, extractions, and surgeries.
  • Preventive care: Includes check-ups and cleanings to prevent bigger oral health issues.
  • Financial relief: Reduces out-of-pocket expenses for routine or emergency dental needs.
  • Family protection: Comprehensive plans extend dental coverage to all insured members.

How are dental insurance and dental treatments connected with OPD?

Dental insurance is often linked with OPD (Outpatient Department) coverage, as most dental procedures do not require hospitalization. Treatments like consultations, diagnostics, fillings, and prescribed medicines fall under OPD benefits. By opting for health plans that include OPD, policyholders can get their routine dental expenses reimbursed, ensuring affordable and hassle-free oral care.

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.

Top Health Insurance Plans

Maternity Insurance

Group Health Insurance

Health Insurance For Parents

Family Health Insurance

Mediclaim Insurance

Senior Citizens Health Insurance

Frequently asked questions

Does dental insurance cover tooth extraction costs?

Yes! Most dental insurance plans cover the costs of tooth extraction, including surgical and non-surgical procedures. However, coverage may vary depending on the insurer and policy type. Some plans may cover only medically necessary extractions, while others include cosmetic or elective procedures.

Always check the policy terms, waiting periods, and exclusions before purchasing a plan.

Choose a plan that includes dental coverage to avoid unexpected expenses!

Check Plans Now

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.

What is the best dental insurance plan?

The best dental insurance plan depends on your needs and budget. In India, standalone dental insurance options are limited, but many comprehensive health insurance policies include teeth insurance as part of their OPD or add-on coverage. Plans that cover preventive check-ups, dental surgeries, and accident-related dental treatments are generally considered ideal. It’s best to compare different policies to find one that balances premium affordability with wide coverage.

Is there any insurance for dental?

Yes, in India, dental treatments are usually covered under health insurance plans rather than as separate standalone policies. You can get dental coverage through individual health plans, family floater policies, OPD covers, or even personal accident insurance (for accident-related dental injuries). Some insurers also offer dental insurance add-ons that provide specific coverage for treatments like root canals, fillings, or extractions.

Show More Show Less

Bajaj Finserv App for All Your Financial Needs and Goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Company Limited, Star Health & Allied Insurance Company Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure & policy wordings carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also distributor of other third-party products from Assistance service providers such as CPP Assistance Services Private Limited, Bajaj Finserv Health Limited. etc. All product information such as premium, benefits, exclusions, value added services etc. are authentic and solely based on the information received from the respective Insurance company or the respective Assistance provider company.

Note - While we have made all the 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 products sales brochure and policy/membership wordings before concluding sales.