How To Choose The Best Dental Insurance Plan in India?
Published On Mar 09, 2021 5:30 AM By Sakshi Aggarwal
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While considering investing in a health insurance policy, we seldom give importance to our oral and dental health, despite constantly being reminded of the same in vibrant toothpaste and toothbrush commercials, advertisements, and the like. This is perhaps the fact that people are not aware of the various orthodontic and neurological disorders that can be ticked off by dental infection. Sometimes, it also leads to serious health complications due to its proximity to the nervous system. Therefore, it is necessary to secure for yourselves a dental insurance plan, not just to ensure your dental health, but to safeguard other health crises that might be triggered by a simple infection. In this article, we are going to tell you how you can choose the best dental insurance plan in India.
Let us look at the pointers below, following which you can choose the best dental insurance plan in India -
1. Comprehensive Coverage
General health insurance plans cover oral and dental health problems and are structured to incorporate health schemes and offers that are particularly aligned for supporting dental health care. While looking to invest in a dental health insurance plan, you should be careful of this aspect and go for a plan that comes with comprehensive health benefits of hospitalization charges and other dental medical procedures that you might require.
2. Individual and Family Floater Options
Stand-alone dental health insurance policies are available in both individual and family floater options. Hence when you are looking forward to buying an oral health policy, you should be aware of this feature. If you are an individual seeking dental coverage options, going for the individual coverage option is advisable. But if you have several dependents, settling for the family floater option that comes with augmented features should be your cup of tea.
3. Preventive Healthcare Option
This feature offers financial coverage for regular check-ups, consultations, and medical procedures. As per its name, facilitating the policyholder to be under intermittent medical attention, it prevents any further complications and also gives the individual ample time for preventing and treating any health or dental complication. It is available in most dental health policies and you should look for this feature in your dental health insurance for maximum coverage.
4. Travel Insurance
Sometimes, insurance providers offer dental health insurance plans as part of their travel insurance plans. If your occupation requires you to frequently travel within the country and abroad, travel dental health insurance must be your best friend. Accidents and mishaps can occur at any point in anybody’s life and having your orthodontics covered is a very good option of not only increasing your financial coverage but having strong medical coverage in place as well.
5. Multiple Coverage Options
An advantage of a dental health insurance policy is that it can be availed amongst multiple health insurance coverage options. Even if you are choosing an individual cover, a family floater, surgical cover, or any other cover, the consultation charges, surgical charges are all covered under health insurance policies. You might have to pay a higher price, but once it is covered by a health policy, you need not worry about the oral health problems of you or your family.
These are some of the pointers that will help you to buy the best dental health insurance plans in India. We do not come across singular insurance plans that cover dental and oral health, plans addressing the hospitalization, accident cover, and medical expenses associated with dental procedures are covered by most health insurance policies. This list is only suggestive, but it will hopefully aid you in choosing a dental insurance policy for yourself and your family.
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.