- Benefits of Dental Insurance
- Inclusions & Exclusions
- Best Dental Insurance Plans
A Guide to Secure Your Teeth with Dental Health Insurance
There must be health coverage for every disease or medical condition that you probably know about. But did you know, there is a health insurance plan for your teeth as well? Yes, you heard it right! Multiple insurance companies offer dental coverage with health insurance plans in India. It can help you improve your gum disease, misalignment of teeth, tooth decay, and other oral health issues.
But, what does dental insurance mean and how does it help you get better teeth health? This article has everything that you want to know about dental health insurance plans in India.
How does dental health insurance work?
Dental health insurance can not only help you lower the risk of dental problems but it can also be helpful to cut down financial stress. But how does this plan work?
When you buy a health insurance plan and add on dental insurance along with it, at the time of policy issuance, you agree to pay the insurance provider an additional premium over your base health policy. However, in some cases, insurance companies provide in-built dental coverage with health insurance plans that cover some specific category of dental treatments. These plans usually come with a waiting period due to which you can not claim dental coverage until the waiting period goes on.
Hospitals nowadays have become advanced with a top-notch and complete set-up for dental treatment specialization. Some of the networking hospitals may have this facility under the guidance of which the insurer has agreed on claim settlement. But what if the policyholder doesn't have a network hospital to get treatment for their dental problems? They need to go to a non-networking hospital for dental care treatment, in return, the cost of treatment will get a reimbursement on the insurer's behalf. You can receive the claim amount for specific treatment procedures as many times as possible, depending upon the type and sum insured of your dental health plan. The policyholder is often entitled to get preventive dental care during the policy tenure.
Eligibility Criteria for Dental Insurance Plans
However, specific plans cover dental insurance under a health policy. The eligibility criteria depend upon the type of policy and the insurance provider you choose to buy a plan with. Read below some specifications related to the eligibility criteria for buying a dental plan:-
| Eligibility Criteria | Specifications |
| Age (min-max) | 18-65 years in individual policies. It can cover your child's dental health ranging from 90 days of age and above in case of a family floater health plan. |
| Waiting Period | Different insurance plans may come with different waiting periods. Most of the health plans which has dental coverage come with a 1-3 year waiting period post-diagnosis of dental issues. But if you have not been diagnosed with any pre-existing dental problems, some companies will impose only 1 month of waiting period. |
| Sum Insured Limit | The average limit for a dental policy ranges between Rupees 25,000 to 1 Lakh. But the amount of sum insured depends on your insurer. |
| Coverage Comprehensivity | A dental insurance plan with a sum insured of Rupees 15 lakhs or more covers the expenses related to dental consultations. Moreover, it also provides pre-hospitalization coverage of up to 6 days before hospital admission and 180 days after hospitalization. |
Benefits of Dental Health Insurance in India
Dental problems cannot be neglected and assumed to be cheaper while getting treatment. It requires proper consultation and an expert's guidance. Having a dental insurance plan can be beneficial for your oral health in many ways. Read below the benefits of dental insurance:-
- It provides unlimited free dental consultation to the policyholder till your policy tenure lasts.
- You can get coverage for unlimited digital X-Ray and OPG facility for its policyholder.
- A policyholder can enjoy discounts or receive claims many times for free-of-cost tooth scaling.
- A teeth whitening, amalgam, and composite teeth filling facility is also available in a dental insurance policy
- There are assured benefits at the time of teeth bracing and teeth implantation with teeth insurance.
- Having dental insurance can also offer you facilitation with routine dental checkup procedures.
- Dental insurance also covers the tooth removal cost of the policyholder. Even some minor surgical procedures such as a biopsy of teeth tissue and drainage of minor oral infections are also covered.
- Management of mild infections and lesions. And in case of any existing denture and bridge need some repairing, it is also included in the dental insurance plan.
Note:- Few dental plans do not cover facilities like invisible bracing, lingual braces, or even transplants, so the above-mentioned benefits and coverage are generalized and are not strictly followed by every insurance company. Policy benefit depends on the nature of the plan provided by the company and one should keep a check on the terms and conditions of the policy before buying it
Inclusion and Exclusion of Dental Insurance Plan
Dental covers are beneficial in multiple ways but where it has specific inclusions. On the other hand, dental plans have their shortcomings as well. Here's a list of what's excluded and included in dental insurance plans:-
| Inclusions | Exclusions |
| It must be comprehensive, with maximum coverage that may cover preventive care such as day-to-day oral healthcare treatments or check-ups like oral biopsy in case of an unnecessary tissue presentation | Most dental insurance plans do not cover the cost of cosmetic treatments and surgeries like prostheses and orthodontics. |
| Critical oral health care treatments are covered by teeth insurance. In case the insured has met with an accident that has affected their dental health, then the policy will cover accidental teeth treatment. | Most of the insurance-providing companies don't have multiple network hospitals, so check before buying a policy. But few dental procedures conducted, need hospitalization such as dental injury, illness, or an accident. |
| Fine Needle Aspiration Cytology (FNAC) | With dental insurance, it's almost impossible to avail of in-patient dental treatment. So check if your policy covers in-patient hospitalization or not. |
| Teeth problems such as smears from the oral cavity, teeth extraction, decay prevention, etc are covered under this policy. | Particularly, jaw alignments and dentures that help beautify your face are not covered under these plans. |
Documents required for Buying dental insurance plans
You need the below-mentioned documents to buy a dental insurance policy:-
- Doctor's consultation bill or report in case of Pre-existing dental problem
- KYC Documents
- Email address
- Address proof including Passport, Telephone bill, electricity bill, etc.
- Other documents that are requested by the insurer.
Conclusion
Maintaining our dental health is a little tricky task as we are not so aware of any problems going on with our teeth. In such situations, a health plan accommodating dental care coverage can work wonders for you. You can improve your dental health and cut off extra charges on your hard-earned money. Because, if not now, then when?
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Dental Insurance :FAQs
1. Does dental coverage count under medical insurance?
No, health insurance policies don& 039;t consider dental insurance as standard coverage. But, companies include dental treatment as an additional coverage to their policy.
2. Are dental injuries caused by accidents covered by all dental insurance plans?
Yes, dental injuries caused due to accidents are covered by all dental insurance plans.
3. Do insurance companies in India cover canal treatment in dental insurance plans?
Yes, insurance companies in India cover canal treatment in dental insurance plans.
4. Are tooth extraction costs covered under dental insurance?
Yes, tooth extraction costs are covered under dental insurance
5. Do the insurance companies in India cover dental implants?
No, the insurance companies in India don& 039;t cover dental implants.
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Written By: Simran Nirala
Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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