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How Does Dental Insurance Work?

Updated On May 03, 2021

Good dental treatment that provides long term solutions, can be hard to find and expensive to avail of. At the same time, getting the right dental work done is important. Dental problems not only lead to pain and discomfort but also get in the way of your overall health due to problems in eating, drinking and such. Dental insurance comes in handy when tackling these problems.

How Does Dental Insurance Work?

What is Dental Insurance?

Dental insurance provides cover for dental treatments and procedures, prescribed by a certified medical practitioner. They can be preventative measures as well as post-diagnosis work. It does not include any cosmetic dental surgeries and procedures. All procedures and treatments like root canal extractions, tooth extractions and even dentures are covered under dental insurance.

Availability of Dental Insurance in India With Different Plans

Dental insurance is seldom available as a standalone policy. Mostly, it can be found as a part of the cover of some other general insurance policies, or under a health insurance policy. The following are some of the types of insurance that provide oral and dental care as a part of their cover.

  • Personal Accident Cover

    Some Personal Accident Covers provide oral and dental care. It is usually sufficient enough for most dental care treatments and procedures. However, it is mostly limited to cover for oral care required due to any occurrence of any personal accident.
  • Preventative Healthcare Policies

    Preventative Healthcare Policies often provide covers for consultation and regular check-ups in relation to oral care and dental problems. These policies are best for policyholders who require continuous or long-term dental treatment.
  • Individual Health Insurance Policies

    Most Individual Health Insurance Policies cover dental problems either under their basic plan or under their additional benefits. Some of them also offer dental care riders wherein the policyholder has to pay a separate premium.
  • Surgery and Critical Illness Policies

    Some Surgery and Critical Illness Policies provide dental procedures and surgeries as a part of their cover. They mostly cater to critical dental surgeries prescribed by a medical practitioner or a dentist.

Health Insurance Policies Which Provide Dental Insurance

There are also some health insurance policies that offer dental insurance as a part of their cover. The following are some such health insurance policies.

Health Insurance Plan Claim Settlement Ratio (for the Financial Year 2019)
TATA AIG Premier Medicare 78.93%
HDFC Ergo Easy Health Plan 83.66%
Digit Health Care Plus Plan 83.08%
SBI Life Smart Insurance Plan 95.03%

Contingencies Covered By a Dental Insurance Plan

The following are some of the most common contingencies that are covered by dental insurance. In general, most cosmetic procedures such as jaw alignment, are excluded from the cover of dental insurance.

  • Dental X-Rays
  • Dental Surgeries
  • Dental Implants
  • Root Canal Treatment
  • Oral Health Check-ups
  • Tooth Filling
  • Teeth Extraction
  • Oral Cyst Treatment and Surgery

Some dental insurances also provide benefits and covers for post-treatment care and follow-up check-ups. However, this does not extend to check-ups for retainers, cleaning and such, in the case of braces. This is because braces are largely considered to fall under cosmetic dental procedures.

Also Read: Dental Insurance: Coverage, Claims and Exclusions

Best Health Insurance Plan for Dental Treatment

Do Mediclaims Include Dental Insurance?

Yes, many Medicalims include dental insurance under their cover. It is best to consult the insurance provider and go through the policy document to know the exact benefits that can be availed of.


Dental insurance is very important and can provide comprehensive protection for treatments, procedures, and even follow-up care. Oral hygiene is of the utmost importance, not only in terms of aesthetics but also for health purposes. Therefore, it is always advisable to avail of dental insurance. 

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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