Best Dental Insurance Plans You can Buy Online in India
Published On Jan 29, 2020 5:30 AM By Sakshi Aggarwal
Table of Contents
- How Dental Insurance Works?
- Best Dental Health Insurance Plans in India
- How To Apply For Dental Insurance?
- What Are The Documents Required For Dental Insurance?
- Benefits of Dental Insurance Plans in India
- Why You Should Not Wait to Cover Yourself Under Dental Insurance?
- What Is The Procedure For Claiming Dental Insurance?
- What Are The Key Inclusions And Exclusions Under Dental Coverage Policies?
- What Are The Criteria For Choosing Insurance Companies For Dental Insurance?
- Over to You!
Dental care includes the maintenance of teeth, gums, and mouth to keep them healthy. Good dental or oral care should be practiced to avoid dental issues such as cavities, crooked teeth, loss of teeth, and more. Also, it is advised to visit a dentist regularly to ensure healthy dental health and prevent any potential damage to the teeth. It is important to keep a regular check on your oral hygiene to avoid any financial problems because of dental issues.
There are many insurance companies that provide dental insurance to cover your dental problems. 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 be either diagnostic or preventive. Policies featuring dental procedures include dentures, filling cavities, tooth extractions, root canal treatment, and more. However, the procedures included vary 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 coverage on OPD as well as hospitalization basis.
Raghav was experiencing tooth pain and rushed to the nearest dental clinic. He realized then that his tooth had become dingy and that he might need surgery. He checked his health insurance policy and discovered that it does not cover dental treatment.
The reason this occurred is that at the time of purchasing the policy, Raghav was unaware of the fact that all health insurance plans don't cover dental expenses. He also overlooked this feature when he was purchasing the plan. As a result, he had to pay the hospital bill from money he had saved. Unfortunately, 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 stand alone dental insurance plans, only a few health insurance plans provide coverage for oral health or dental care. To avoid a situation like Raghav's, you should purchase health insurance plans that include dental coverage.
How Dental Insurance Works?
Dental insurance covers both basic and major oral care treatments, as well as preventive care. Your insurance provider will make the settlement, including dental care, on the basis of the plan you've chosen.
Best Dental Health Insurance Plans in India
The number of health insurance plans in India that cover dental treatments is limited. However, some plans does cover the dental care treatment either as an add-on or as an in-built feature. Some popular health insurance plans that offer cover for dental treatment expenses are explained below-
Name of Insurance Company
Name of Insurance Company
Cholamandalam MS General Insurance
GoDigit Health Insurance
Digital Healthcare Plus
Star Health & Allied Insurance
Comprehensive Health Insurance
Healthline Policy offered by Cholamandalam
MS: Healthline Policy is a well-known health insurance policy that covers dental treatments. The policy offers different sum insured options, ranging from Rs. 1 lakh to Rs. 25 lakh, which you can choose as per your requirement. Apart from OPD dental cover, the policy offers several other coverage benefits as well, including cover for daycare procedures, domiciliary hospitalisation cover, AYUSH coverage, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, ambulance expenses, maternity treatment expenses, newborn baby expenses, extended hospitalisation allowance, specialist opinion for critical illness, expenses related to spectacles, contact lenses, hearing aids, and health check-ups, and much more.
Digit Healthcare Plus Policy offered by Digit Health Insurance
This is a unique policy that includes dental coverage as an add-on benefit. The policy is available in policy terms of one year, two years, or three years, depending on your needs. Apart from dental treatment cover, the policy covers you for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, second medical opinion expenses, road ambulance expenses, etc. This add-on cover offers a waiver for treatment, procedures, and preventive, restorative, diagnostic, and cosmetic services related to the disease, disorder, and conditions of natural teeth and gingiva. You can buy this add-on cover by paying an extra premium at the time of policy purchase. Other add-on benefits offered under this policy are non-allopathic treatment, organ donor, and weight loss surgery. If you choose to buy this policy, you can select from different sum insured options between Rs. 10,000 and Rs. 3 Crore, which you can choose as per your budget and other requirements.
Comprehensive Health Insurance Policy offered by Star Health & Allied Insurance:
The comprehensive health insurance policy comes with six sum insured options. You can choose from Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, and Rs. 25 Lakh. If you are renewing your policy every 3 years, then it offers coverage for outpatient dental or ophthal care. Apart from this, it also covers you for in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, air ambulance cover, air ambulance cover, bariatric surgery, vaccination expenses for newborn, etc. Moreover, this policy will cover you if you are between the ages of 3 months and 65 years. Apart from several coverage benefits, the policy offers lifetime renewability benefits. You can also include dependent children up to age 25. Under this policy, dental coverage is offered only on an OPD basis.
How To Apply For Dental Insurance?
Coverage for dental treatments can be availed as part of a health insurance plan. Such plans, as well as dental care, can be chosen after comparing various insurance policies online. To purchase a dental insurance policy, follow the steps outlined below:
Step 1: Visit InsuranceDekho and select the ‘Health’ tab.
Step 2: Enter the details like the names of the members you wish to insure, contact information, medical history, etc. Click on ‘Submit to view quotes’.
Step 3: Begin comparing various health policies that include dental coverage and select the best budget-friendly plan.
Step 4: Make the necessary payment online using a debit/credit card or net banking facilities.
You can also buy the policy in offline mode by getting in touch with the customer care executives at InsuranceDekho. You can call the toll-free number 7551-196-989 and share your requirements with the experts. They will help you buy the most suitable health insurance plan online at the portal. They are available all days of the week to assist you in the best possible way.
What Are The Documents Required For Dental Insurance?
The documents required for purchasing a dental insurance policy are as follows:
- Address Proof: Passport/Driving license/Telephone bill etc.
- Identity Proof: Passport/Aadhar Card/ Pan Card/ Voter ID etc.
- Recent Photographs
- Discharge summary
- Duly filled claim form
- KYC Document
- Policy Document
- Pharmacy Bill
- Consultation Bill
- Hospital Bill
- Policy Documents
Benefits of Dental Insurance Plans in India
Like all other parts of the body, oral health demands equal health care. Hence, dental insurance plans can help you take care of your teeth, gums, and the entire oral-facial system. These plans come with many benefits. Some of them are listed below-
- They cover all dental 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.
- Treatments such as teeth capping, root canals, and teeth whitening are generally covered partially under dental insurance plans.
- Also, some insurance companies offer discounts on major treatments such as bracing and implants, alongside assured benefits in some of their policies.
Why You Should Not Wait to Cover Yourself Under Dental Insurance?
If all this time you've been thinking of buying a dental insurance plan but haven't purchased one yet, then call the insurance company now. Waiting for the right time to buy dental insurance cover will not benefit you in the long run. Why? It is because the longer you wait, the more likely you will end up adding up the waiting period feature in your plan.
It is significant to note that health insurance plans that come with dental coverage 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.
If you won't take an early call to buy a dental insurance plan, the consequences may lead you to spend the cost of dental treatment out of your pocket. Moreover, ignoring a dental issue can end up being a serious illness. So, it is crucial to take early action and purchase dental insurance now.
Therefore, it is suggested that you choose dental treatment coverage to cope with the financial burden of dental treatment. A dental cover will let you be free from any kind of financial concern and will make it easy for you to focus on availing quality dental care.
1. Individual health insurance plans
Individual health insurance plans cover dental insurance as an additional benefit. 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 insured family members.
4. Preventive healthcare plans
Sometimes health insurance plans that cover preventive healthcare plans like consultation costs or regular health check-ups also offer cover for dental procedures.
5. Personal accident cover
A personal accident insurance policy may also cover dental expenses for the treatment required due to the accident.
What Is The Procedure For Claiming Dental Insurance?
The procedure to avail a cashless claim is mentioned below:
- If 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 to initiate the claim process.
- After the approval is received, the treatment papers, along with other necessary documents, are sent to the insurer.
- Dental care expenses are settled directly with the hospital by the insurer as per the terms and conditions mentioned in the policy document.
Expenses can be reimbursed if you have opted for treatment at a non-network hospital or outpatient 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, some treatment expense exclusions that all health insurance policies don't cover are dentures, cosmetic treatments, jaw alignment, etc.
What Are The Criteria For Choosing 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 the benefits offered and the 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!
The 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 customise 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 policy 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 are 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?
The 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 read the policy document thoroughly before purchasing 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 from dental care and surgeries. However, before buying an insurance plan, make sure to go through the coverage 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.