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Know About the Health Plans That Offer Dental Insurance in India.

Published On Mar 29, 2019, Updated On Nov 25, 2020

Different illnesses trouble in different ways. Some make you lazy while some leave you in acute pain. Teeth related sufferings are meant to be dealt with by dentists, but its treatment is always considered highly expensive. Sometimes, medicines are used to mitigate the infection and pain, but in serious situations, tooth extraction and surgeries are also executed. As the health plans may or may not include the dental treatments, therefore, buying a dental insurance policy specifically is a prudent and good to-go option.

Many people get to understand its value after spending hefty dental procedure bills. Thus, plans that cope up with dental-related treatments solely is the only way out, with which you can get your back to handle the medical expenses without letting your savings be in trouble. However, apart from going for a standalone dental policy, there are some general health schemes too, that include dental care in their coverage limits. These plans also comprise the hospitalization, medicinal expenses, and tax rebate features in them. Here are a few types of general insurance plans that incorporate dental procedure expenses:

a) Individual health plans - These individual health insurance plans offer dental insurance on paying an additional amount. The insurer may cover it under the basic plan. additional benefit or under some other section.
b) Family floater health policies -  As these family floater health plans generally tend to offer cashless benefits, therefore, dental care insurance plans are mostly covered under these. The feature can be availed by the insured as well as his or her family. 
c) Critical illness health plans - These critical illness health plans can be considered as a standalone policy that caters to a specific illness. Some surgical or critical insurance policies include dental care if falls under the critical medical treatment.
d) Preventive health plans - Quite often, plans that comprise preventive care such as regular check-ups, consultation fees of doctors, and so on, may include dental care procedures as well. 
e) Personal accident cover plan - Sometimes, accidents lead to harm teeth, which become serious, painful suffering, which takes an expensive treatment to recover. Thus, an accident plan covers dental treatment many times.
f) Travel insurance health plan - There are a few health insurance plans available that include dental care expenses if teeth are damaged due to an accident during a travel trip.

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While there are quite few and expensive standalone health plans available for dental procedures, therefore, it’s better to opt for general health insurance policies that cover dental expenses. It is suggested for general health plans with dental care coverage if you own financial trouble rather than paying exorbitant medical bills to a dentist.     

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