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.

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


Health Care Plus


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

Other details about the plan can be found here

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

Discover other features of this plan here

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

Various other features can be checked here.

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

To know more about this plan, click here.

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

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. 

Over to You!

A better 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. 

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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