List Of Affordable Dental Insurance Plans In India
Updated On Apr 30, 2021
Dental insurance is the cover that is provided for your oral health, excluding cosmetic dentistry. It is now found as a part of most general health insurance plans, that cover surgical and procedural costs for any dental injury or infection. A few procedures covered under dental insurance plans include root canal, tooth extraction, and filling of carries. While stand-alone dental insurance plans are difficult to locate, some companies do have health insurance plans designed specifically for the maintenance of your teeth and gums.
Dental health insurance plans are also available under group insurance plans and family floater policies, and in some cases are incorporated under the out-patient-department (OPD) treatment. Insurance companies that provide dental health insurance offer maximum coverage irrespective of the medical procedure opted for, but charge a higher rate of premium in comparison to other insurance policies. However, you can secure dental health insurance for yourself at no extra cost by choosing any one of the following affordable plans listed below -
List Of Affordable Dental Insurance In India
The following is a list of affordable dental insurance in India -
1. Manipal Cigna ProHealth Accumulate
This insurance policy offers dental insurance under its general insurance plan. A policyholder can avail a health benefit of INR 5000, INR 10,000, INR 15,000, and INR 20,000. It also comes with an inpatient treatment service and covers any pre-existing medical condition after an initial period of 48 months. A policyholder can also avail a cumulative bonus benefit and for every instance of hospitalization, they can claim an ambulance cover of INR 2000.
2. HDFC Ergo Easy Health Plan
HDFC Ergo’s Easy Health Plan is a dental insurance plan that covers OPD costs and is available at an affordable range. Its dental insurance coverage is equal to 1% of the sum insured, and the policyholder can receive a maximum sum of INR 5, 000 for an insurance coverage ranging between INR 3 Lakh up to INR 10 Lakh. For a higher sum insured amount, the dental coverage amount increases to INR 7,500. With inpatient, pre and post-hospitalization coverage, the HDFC Ergo Easy Health Plan comes with AYUSH benefits as well. Its domiciliary coverage options are like the cherry on top that allows anyone to receive medical supervision from within the confines of their home.
3. Digit Health Care Plus Plan
The Digit Health Care Plus Plan aims to address immediate dental problems as under its coverage options. A procedure involving X-rays, fillings, tooth extraction, and root canal are all covered under it. Furthermore, it comes with a special feature of tooth alignment for adolescents. Coming with additional features of critical illness coverage, maternity expenses, and pre and post-hospitalization benefits, this plan is affordable and comprehensive. Its cashless benefit feature ensures that there is no compromise for your medical needs and requirements.
4. TATA AIG MediCare Premier Plan
This insurance policy comes with an inpatient dental treatment facility, Equipped with OPD services as well, it provides complete coverage for tooth extraction, tooth filling, and root canal up to INR 10,000 on an annual basis. Some of its other benefits include a cashless hospitalization benefit, daycare coverage options, and discounts that correspond with your policy term and choice of insurance cover. Hence, it effectively fits into your pocket and comes with comprehensive benefits.
These are some of the affordable dental health insurance plans available in the market. You can choose to buy any one of these policies for assured dental insurance and be assured of other comprehensive returns as well. Singular dental health insurance plans are still not found aplenty and hence, buying a general health insurance cover that offers oral health benefits is your best shot at covering the surgical and medical costs of your teeth and gums. This is only a suggestive list, and the plan that you buy will ultimately be contingent on your financial and medical requirements.
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.