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Do Health Insurance Cover Dental Surgeries?

Published On Aug 22, 2022 11:00 AM By InsuranceDekho

We are all aware that dental work may occasionally be very expensive. Do healthcare insurance plans provide dental coverage? Despite being primarily accessible in the event of accidents, dental protection is often not included in healthcare insurance plans. In a healthcare facility or hospital, dental procedures are often categorized as (OPD) outpatient department operations.

How Do Dental Procedures Relate To OPD?

The Outpatient Department (OPD) of a health center is known for covering costs associated with a covered person's appointment to a doctor's office for disease, doctor's fees, and various other services that are offered by a doctor at the office or a diagnostic facility. Likewise, it can cover costs for prescription drugs at the chemist, medical examinations like blood tests and X-rays at the laboratory, as well as short-term fixes that don't require hospitalization.

Why Do Health Coverage Plans Exclude Dental Procedures?

Costs for regular medical exams, testing, dental work, eye care, and other services which do not necessitate hospital admittance are insured by outpatient insurance, or they could be provided by an insurance provider for an extra fee, known as premium cover add-ons.

Customized group insurance plans provide coverage for things like dental, optical, and medical check-up costs as well as, severe sickness insurance for an extra cost or as a bonus benefit occasionally.

Due to the fact that just a tiny proportion of such plans in India give coverage for outpatient charges. But, there are certain policies that include outpatient therapy as well as relevant health charges including doctor's appointments, routine health screenings, and dentistry and prescription fees.

Advantages Of Dental Insurance

Dental health coverage policies in India provide comparable advantages to medical insurance because they are a part of the latter.

  1. Financial Support

Dental operations may occasionally be rather pricey, similar to other OPD services. particularly if the illness is serious, the cure is difficult, and the patient lives in a big metropolis. Dental healthcare plans could assist in reducing the financial strain while paying for the healthcare payment in this situation.

  1. Standard Medical Tests

To achieve ideal oral health, regular check-ups are necessary. But not everybody has a strong desire to go to the dentist frequently. Individuals may be more likely to have a routine dental examination and maintain good oral health if they are aware that the dental healthcare plan covers some of the dental service costs.

Dental Healthcare Coverage Types Available Under Various Medical Insurance Policies

The main categories of healthcare insurance policies that provide dental coverage in India are as follows:

  • Personal Health Policies: Under the Basic coverage, supplementary advantages, this form of healthcare policy may pay for a person's dental costs. Clients who buy add-on features will be required to pay an extra charge in order to receive this advantage.
  • Policies For Severe Illness: It is an autonomous program that covers only the healthcare bills associated with the care of a severe illness. Such insurance policies could pay for dental operations that qualify as essential healthcare services.
  • HealthCare Policies For Families: This category of medical coverage covers every family member's dental costs. These plans might include dental treatments.
  • OPD Healthcare Policy: This category of healthcare covers the policyholder's outpatient medical costs, such as OPD checkups for teeth, medical check-ups, and medications.
  • Individual Accident Policies: Individual accident policies may pay for dental costs incurred as a consequence of an incident that could have damaged the patient's teeth.


By purchasing quality dental coverage, you may get protection and maintain a healthy level of health security. As you already know, there are several options for dental healthcare policies. List your needs and determine which sort of insurance is best for you. Next, analyze your alternatives to determine which type of insurance coverage provides the best dental coverage. You can choose between a single dental coverage policy and an all-inclusive health policy that includes dental coverage. Based on your requirements, you may get insurance for just yourself or your loved ones. When you buy a policy, thoroughly read the conditions of the policy.

Also Read: 

Discover How To Calculate The Premium For Health Insurance

Is Pregnancy Covered In Health Insurance?


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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