Best Dental Insurance Plans You can Buy Online in India

Published On Jan 29, 2020 5:30 AM By Sakshi Aggarwal

What is Dental Insurance?

Dental care is the maintenance of healthy teeth, gums, and mouth. Good dental or oral care should be practiced to avoid dental issues such as cavities, crooked or diseased teeth, loss of teeth, and more. Regular visits to the dentist are also advised to ensure optimum dental health and prevent any potential damage to the teeth. Keeping a regular check on oral hygiene is also a must to avoid struggling with finances because of dental issues.

In order to help customers cope with dental problems without spending their savings, many health insurance companies provide dental insurance.

Insurance for dental treatment in India is the cover provided for dental procedures (excluding cosmetic dentistry) considered necessary by a medical professional. Dental procedures can either be diagnostic or preventive. Policies featuring dental procedures include dentures, filling cavities, tooth extractions, root canal treatment, and more. However, the procedures included varying with plans and health insurance companies.

While an exclusive cover for dental insurance may not be available, you can easily choose health insurance policies providing dental benefits under their outpatient feature as well as basic features.

Raghav was suffering from toothache so he rushed to the nearest dental clinic. It was then he realized that his tooth had become dugout and he might need surgery. He looked at his health insurance plan and realized that his insurance policy does not cover dental treatment.

This happened because Raghav (at the time of buying his policy) was unaware of the fact that not all health insurance plans offer coverage for dental expenses. And he missed checking this feature while purchasing one. As a result, he had to pay the hospital bill from his saving. Sadly, the surgery was so expensive that it dug a deep hole in his pocket.

Which health insurance covers dental treatments in India? Are there insurance plans that cater solely to dental health? When it comes to standalone dental insurance plans, precisely speaking, not all, but a few health insurance plans offer coverage for oral health or dental care. To avoid getting caught in a similar situation like Raghav’s, you must take up health insurance plans with dental cover expenses as well.

How Dental Insurance Works?

Coverage under dental insurance includes oral care treatments both basic and major, preventive treatments. Based upon the type of coverage chosen, your insurance provider will pay under the insurance plan including the dental cover.

Best Dental Health Insurance Plans in India

Following are the best health insurance plans for dental treatment:

Health Insurance Company

Dental Plan Name

Manipal Cigna

ProHealth Accumulate

HDFC Ergo

Easy Health

Digit

Health Care Plus

TATA AIG

Medicare Premier

1. ProHealth Accumulate - Manipal Cigna

ProHealth Accumulate policy by Manipal Cigna provides dental cover insurance under its Health Maintenance Benefit. The Health Maintenance Benefit is covered up to Rs. 5000, Rs. 10,000, Rs. 15,000 and Rs. 20,000.

Benefits that you get with this plan include:

  • High claim settlement ratio of 89.50% in FY19
  • Inpatient treatment
  • Pre-existing disease coverage after 48 months
  • Cumulative bonus benefit
  • Ambulance cover up to Rs. 2000 per hospitalization

2. HDFC Ergo Easy Health Plan

HDFC Ergo’s Easy Health policy provides outpatient dental cover under its additional benefits. Affordable and reliable, Easy Health policy allows dental treatment only after completion of a waiting period of 3 years. Coverage offered is up to 1 % of the sum insured, subject to a maximum of Rs. 5,000 for sum insured options ranging between Rs. 3 Lakh up to Rs. 10 Lakh. For sum insured options ranging between Rs. 15 Lakh up to Rs. 50 Lakh, the coverage available is up to 1 % of the sum insured, subject to a maximum of Rs. 7,500.

Easy Health policy also covers features:

  • High claim settlement ratio of 83.66% in FY19
  • Inpatient hospitalization
  • Pre & post hospitalization expenses
  • AYUSH benefit
  • Domiciliary treatment

3. Digit Health Care Plus Plan

Digit’s Health Care Plus covers out-patient dental treatment for the immediate relief of dental pain in its additional cover. Expenses against X-rays, Amalgam or composite fillings, extractions, root canal treatments, and prescribed drugs for the same. Teeth alignment for adolescents is also provided for. Any dental treatment comprising cosmetic surgery, dentures, dental implants, and others is not covered.

Health Care Plus also covers features like:

  • High Claim Settlement Ratio of 83.08% in FY19
  • Cashless treatment
  • Pre & post hospitalization
  • Maternity expenses
  • Critical illness treatment

4. TATA AIG MediCare Premier Plan

TATA AIG’s MediCare Premier policy provides inpatient dental treatment. You also get OPD dental treatment (after completion of two years of continuous coverage) comprising coverage for RCT, tooth extraction, and filling, only subject to Rs. 10,000 per policy year on an annual basis.

MediCare Premier plan also includes:

  • High claim settlement ratio of 78.93% in FY19
  • Cashless hospitalization
  • Maternity & newborn baby cover
  • Daycare procedure coverage
  • Policy term, family floater and more discounts

How To Apply For Dental Insurance?

Coverage for dental treatments can be availed as a section under various health insurance plans. Such plans along with dental care can be selected after comparing different insurance policies online. To purchase a dental insurance policy, you need to follow the below-given steps:

Step 1: Visit InsuranceDekho and select the ‘Health’ tab.

Step 2: Enter the details like members you wish to insure, contact information, medical history, etc. Click on ‘Submit to view quotes’.

Step 3: Start comparing different health policies with dental cover and choose an optimum plan depending upon your requirement and affordability.

Step 4: Do the necessary payment online using a debit/credit card or net banking facilities.

What Are The Documents Required For Dental Insurance?

The documents required for purchasing a dental insurance policy is as follows:

  • Address Proof: Passport/Driving license/Telephone bill etc.
  • Identity Proof: Passport/Aadhar Card/ Pan Card/ Voter ID etc.
  • Recent Photographs

Benefits of Dental Insurance Plans in India

Dental insurance plans take care of your oral health. These plans bring along many benefits. Some of them are listed below-

  • They cover all oral treatments, including critical illness or surgery

  • Many of them cover primitive care like medical check-ups(name of the plans)

  • Some plans also offer a free consultation to the patient

Why You Should Not Wait to Cover Yourself Under Dental Insurance?

If all this while, you had been thinking of buying dental insurance if and when the need arises, learn that waiting for the right time to arrive won’t benefit you in the longer run. Why? It is because your waiting strategy will lead you to the waiting period feature present in your dental insurance cover.

It is significant to note that health insurance plans that come with dental cover provide the same benefit after completion of a specific waiting period. Depending on the health insurance company and plan purchased, the waiting period can vary starting from a few months to years.

While you may have planned to secure yourself against dental treatment expenses as soon as an oral health issue occurs, you will ultimately have to pay for the cost from your own pocket due to the waiting period clause. Ignoring the dental issue or waiting for your dental cover to provide for the expenses will only make the condition worse. Either way, it is your loss.

It is, therefore, advisable to choose dental treatment coverage so you do not end up paying for expenditure on your own or delay treatment and face massive discomfort later on.

With a dental cover by your side, you would be free from concerns of any kind and find it easy to focus on availing quality dental treatment.

There are many general insurance plans that come with dental treatment coverage features in India.

1. Individual health insurance plans

Individual health insurance plans cover dental insurance in additional benefits. Some may even include it in basic coverage features.

2. Critical illness plans

Critical illness plans cover some specified critical illnesses. But many of these plans offer coverage for dental procedures as well.

3. Family floater health insurance plans

Not many, but a few family floater health insurance plans offer coverage for dental procedures for the insured family members.

4. Preventive healthcare plans

Sometimes health insurance plans that cover preventive healthcare plans like consultation cost or regular health check-ups also offer cover for dental procedures.

5. Personal accident cover

Sometimes a personal accident insurance policy also covers dental expenses on the treatment required due to the accident.

What Is The Procedure For Claim In Dental Insurance?

The claim procedure is mentioned below to avail cashless claim:

  • In case you avail treatment at a network hospital, inform the insurer and seek approval for a cashless facility.
  • You need to show your health card and other documents to the hospital for initiating the claim process.
  • After the approval is received, treatment papers along with other necessary documents are sent to the insurer.
  • Dental care expenses are settled directly to the hospital by the insurer as per the terms and conditions mentioned in the policy document.

Also, expenses can be reimbursed if you have availed for treatment at a non network hospital or out-patient dental treatment.

What Are The Key Inclusions And Exclusions Under Dental Coverage Policies?

The expenses covered under the dental insurance plan in India are as follows:

  • Root Canal Procedures
  • Dental Implants
  • Infections and Oral Cyst
  • Tooth Filling
  • Dental X-rays
  • Tooth Extraction
  • Regular Oral Health Check-ups and Preventive Treatments
  • Follow-up treatment
  • Dental Surgeries
  • Gum Diseases Treatment

However, almost all health insurance policies with dental insurance exclude treatment expenses consisting of dentures, cosmetic treatments, jaw alignment, etc.

What Are The Criteria To Choose Insurance Companies For Dental Insurance?

You can choose the insurance company based on the following points:

  • Know regarding the coverage and limitations of the insurance plan.
  • Make a comparison of benefits offered and cost in order to make a wise decision.
  • Choose an insurance company that provides coverage for major dental treatments in a health insurance plan.

Over to You!

Abetter way out is to get dental cover benefits, either by choosing a plan that has it as a permanent inclusion or as an add-on benefit instead where you can pay a little extra premium and enjoy the dental cover.

Get in touch with InsuranceDekho for the best health insurance plans online or customize your health insurance plan to add dental care benefits.

Dental health insurance is worth purchasing without giving any second thoughts. Now that you have a few options to choose from, go ahead and make a choice right away!

Remember, dental health insurance will help you preserve your smile for life.

Frequently Asked Questions (FAQs)

1. What is stand-alone dental insurance?

A stand-alone dental insurance is a type of dental policy that is not included under any health insurance plan. Such plans offer comprehensive dental treatment benefits at a nominal price.

2. Is the root canal covered by dental insurance in India?

Dental treatments and surgeries that happen due to an accident is covered under all dental insurance plans in India. However, certain insurance plans covering outpatient dental treatment may cover root canal procedures.

3. How to choose the best dental insurance?

Best dental insurance plan is subject to the individual requirements of a policyholder. However, while selecting a dental insurance plan, it is important that you should read the policy document thoroughly before buying any plan in order to make an informed decision.

4. Is dental treatment covered in mediclaim?

Yes, many health insurance policies in India offer treatment costs arising out from dental care and surgeries. However, before buying an insurance plan make sure to go through the coverages and benefits offered wisely.

5. Why should I have dental insurance?

It is important to have dental insurance as you can develop dental or oral problems by not taking proper care of your teeth or due to an accident or illness. However, with dental insurance, you can expect financial help at the time of need and ensure overall care of your teeth.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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