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Dental Insurance in India: Covers and Benefits

Published On Feb 09, 2021 5:30 AM By Sakshi Aggarwal

Dental troubles cannot be ignored and assumed to be reasonable. They need proper attention, guidance, and consultations. With dental insurance, the policy owner stays informed about his/her dental health and thus visits the dentist for regular check-ups. With regular visits, the policyholder's teeth will get a long life and there is a need for inspiration and consciousness in the society as dental health cannot be ignored.

Benefits of Dental Insurance In India

Several benefits of dental insurance are there, some of which are mentioned below:

  • It covers the unlimited digital X-Ray and OPG facility for the policyholder
  • It offers unlimited free dental consultation to the policyholder
  • Policyholder enjoys discount or few free of cost teeth scaling
  • Policyholders enjoy assured benefit at the time of teeth implantation and bracing.
  • The policyholder gets the benefit of the teeth whitening procedure.
  • Dental Insurance offers a discount on the routine dental checkup processes
  • Dental Insurance plans allow the policyholder to benefit from the steel crowns on the primary teeth
  • Policyholder gets the advantage of composite teeth filling and amalgam
  • It offers benefits for the treatment of the damaged tooth nerves.
  • Even some small surgical processes such as drainage of oral infections and teeth tissue biopsy are also covered in dental insurance.
  • Dental plans also cover the tooth removal cost of the policyholder.
  • Management of lesions and mild infections are covered by dental insurance.
  • If any existing bridge and denture need some repairing, it is also included in the dental insurance plan.

Few dental plans do not cover facilities like lingual braces, invisible bracing, or even transplant, so the aforementioned cover and benefit are comprehensive and are not followed strictly by each insurance firm. Policy advantage depends on the plan’s nature offered by the company and one should check the terms and conditions of the policy before purchasing it.

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Top Dental Insurance Providing Companies

In India, the topic of oral health care is not well articulated and structured and hence there are no great numbers of companies that help the policyholders with dental insurance. Not many insurance policies are there but there are few companies that offer the policyholder the advantage of dental insurance plans along with other benefits.

Some of the top dental insurance offering companies are mentioned below:-

1. Bharti Axa Smart Health: This plan covers any injury of the teeth for the policyholder in case he/she experiences any kind of accident.

2. Apollo Munich Maxima Health: This plan covers dental treatment and damage but the hospitalization cost is not included.

3. LIC Health Protection Plus: It offers cover to all dental expenditures.

4. Chola MS Travel Insurance: It covers dental health damage of the policyholder while on any travel route.


It is important to understand that dental care is as essential as any other health care. The facility of dental insurance can help to ease your pocket in an hour of need and it will offer you the benefit to explore dental care from a better standpoint.

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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