Top 5 Dental Insurance Plans in India: Their Features

Searching for a good health insurance plan that covers dental insurance can be daunting. This is because not many health insurance plans cover dental preventive care (x-rays, routine check ups and cleaning), filling and extraction and procedures like root canal treatment. Let’s look at the top plans that cover dental consultation in India, their features, exclusions and inclusions and answers to some common questions.

Why is Dental Insurance Important?

It is important to have dental insurance because they improve your oral health and hygiene, they enhance your overall health by giving you access to consultations and treatments from time to time, and save your money since dental treatments are usually very expensive.

Top 5 Dental Insurance Plans Available in India

The top 5 health plans in India covering dental consultations are:

Plans	Offered by Company	Sum Insured	Dental Treatment Covered
Activ Health Platinum Enhanced Platinum Plan	Aditya Birla Health Insurance	15 lakh - 2 crore	Dental consultation and diagnostics
Privilege Healthline	Cholamandalam MS General Insurance	5 lakh - 25 lakh	OPD dental treatment
Care Plus Plan	Digit Health Insurance	1 lakh - 3 crore	OPD dental treatment
Health Total Plan	Future Generali	15 lakh - 1 crore	OPD dental consultation and diagnostics
Smart Super Health Plan	ICICI Lombard Health Insurance	5 lakh - 1 crore	OPD dental emergency treatment due to accident

1. Activ Health Platinum Enhanced Platinum Plan

Aditya Birla’s Activ Health Platinum Enhanced Platinum Plan covers cashless dental consultation and diagnostics under the plan across their chain of network hospitals to policyholders with sum insured of INR 15 lakh and above. Policyholders can get one comprehensive consultation, one x-ray and one cleaning done under this plan.

2. Cholamandalam MS Privilege Healthline Insurance

Cholamandalam MS General Insurance’s Privilege Healthline Plan covers outpatient dental treatment for policyholders with sum insured of 5 lakh and above. This plan’s coverage limit for dental health is up to INR 10,000 every 2 years.

3. Digit Care Plus Health Insurance Plan

Digit Health Insurance’s Care Plus Plan offers dental coverage to policyholders with sum insured of INR 1 lakh and above. Within this plan the dental coverage is given to patients who have been hospitalised due to an accident sustaining injuries to teeth and gums. Within this plan, an add on can be taken for OPD dental treatment, composite filling and extractions.

4. Future Generali Health Total Plan

Future Generali’s Health Total Plan covers dental OPD consultation and diagnostics under its Superior and Premier plans. The amount for which you can take dental consultations within these plans are: Superior plan - INR 3,000 to INR 10,000, Premiere plan - INR 10,000 to INR 20,000.

5. ICICI Lombard Smart Super Health Plan

ICICI Lombard’s Smart Super Health Plan offers OPD dental emergency treatment to policyholders who have been admitted in the hospital due to an accident sustaining injuries to their gums and teeth. This plan also covers the cost for follow up treatment within 15 days from the date of accident. The coverage for dental within this plan ranges from INR 5,000 to INR 7,500

Inclusions And Type of Dental Treatments Covered

Usually only the following treatments are covered under major health insurance plans for dental:

• OPD treatment
• OPD diagnostics
• Surgery or treatment due to an emergency or accident with injuries on teeth and gums
• Root canal treatment

Exclusions in Dental Insurance Plans

The following dental treatments are excluded from major health insurance plans in India:

• Dental Implant
• Cosmetic Surgery
• Dentures
• Jaw Alignment
• Dental Prosthesis
• Deliberate Injuries or Self Harm
• Orthodontic Treatments

Conclusion

Dental hygiene is an important yet often ignored aspect of our overall health. It is important that we understand what treatments are covered within our health insurance plans for dental so that we can make proper use of them when required. Going through the inclusions and exclusions of a plan with respect to dental coverage is equally important and must be kept in mind while choosing a health insurance plan.

Frequently Asked Questions

Ques 1. What are the top 5 plans in India that cover dental treatment?

Ans.  Activ Health Platinum Enhanced Platinum Plan by Aditya Birla, Privilege Healthline by Cholamandalam MS, Care Plus Plan by Digit Health, Health Total Plan by Future Generali, and Smart Super Health Plan by ICICI Lombard are the top 5 plans covering dental treatment in India.

Ques 2. What are the inclusions under dental health insurance plans?

Ans. The inclusion under dental health plans generally includes OPD consultations and diagnostics, and treatment to injuries occurring on gums and teeth due to an accident.

Ques 3. What are the exclusions under dental health insurance plans?

Ans. The exclusions under dental health insurance plans are dental prosthesis, jaw alignment, deliberate injury or self harm, dentures, orthodontic treatments, cosmetic surgery and dental implant.

Ques 4. Why are dental treatments not covered in all plans?

Ans. It is because dental treatments are costlier due to innovative tools and techniques used, dental procedures are complex and lack of Government funding for research in dental care makes it difficult for health insurers to add them within their major treatment list.

Ques 5. Is accidental dental injury covered within all health insurance plans?

Ans. Yes, dental injury due to an accident is covered within all major health insurance plans. Please do read the policy document carefully to understand if your insurance plan covers for dental injury.

Ques 6. Is root canal treatment covered within a dental plan?

Ans. Yes, root canal treatment is mostly covered under major health insurance plans.

Ques 7. Which is the most popular dental insurance?

Ans. Aditya Birla’s Activ Health Platinum Enhanced Platinum Plan is the most popular dental insurance cover in India. It offers dental consultation and diagnostics to policyholders who have a plan with a sum insured of INR 15 lakh to 2 crore.

Ques 8. Which dental treatment is the most expensive one?

Ans. Getting dental implants and veneers are supposed to be the most expensive dental treatments.

Ques 9. Is dental treatment covered in mediclaim?

Ans. Yes, some of the dental treatments are covered under mediclaim and health insurance plans in India. These treatments include OPD diagnostics and treatment, root canal procedures, gum or teeth and surgery or treatment due to an accident.

Ques 10. Does dental health insurance cover braces?

Ans. No, dental health insurance does not cover braces as it is considered to be part of a dental cosmetic surgery.