What Is Dental Insurance? An Introduction

Dental treatments have always been expensive. The average cost of teeth alignment in India can vary anywhere between INR 10,000 to 3 Lakhs depending on the kind of braces applied. There are multiple times when you may need dental medical care but always pay the bills out of pocket. To tackle these expenses many reputed health insurance companies have introduced dental insurance in India.

Investing in dental insurance coverage in India is uncommon as there is not much information about it. Do not worry! You have landed at the right place, as we help you solve all your queries about dental insurance coverage in this article.

How Does Dental Health Insurance Work?

Dental insurance coverage works just like every other health insurance in India. Depending on the coverage terms and conditions of a health plan, you are eligible to avail of dental treatments in exchange for additional premiums. There are certain factors you must be aware of to understand how a dental health plan works.

• You must know that before availing of dental treatments you are required to serve a waiting period which can vary anywhere between 1 and 3 years depending on the insurer.
• There is an upper limit attached to your OPD expenses. For example, if your health coverage upper limit is INR 5,000 and your dental treatment costs you INR 15,000. The health insurance cover will only cover INR 5,000 for your dental coverage. You will have to pay the remaining INR 10,000 out-of-pocket.

Your dental insurance coverage will reimburse you for all the dental treatments as per your policy wordings, so read the same carefully.

Why Is Dental Treatment Not Covered Under Conventional Health Plans?

If we are completely honest about it, not covering dental procedures by all health plans is a much-debated topic. Often health insurance companies do not provide dental coverage in India as they are considered to be cosmetic procedures. However, not all is grim, there are multiple health insurance plans in India covering dental treatments as in-built treatments, or as an add-on.

Health Insurance Plans With Dental Cover

Eligibility Criteria For Dental Insurance Plan

Health insurance eligibility for dental plans depends from insurer to insurer. However, the generic health insurance eligibility for dental coverage in India starts from 18 years and goes up to 65 years. You can also cover family members as young as 90 days under dental coverage in India. Other family members can be included as per the terms and conditions of the health plan.

Benefits Of Dental Insurance Coverage

Investing in dental insurance in India offers you with a plethora of benefits:

Dental Insurance Plans Inclusions and Exclusions

Things To Consider When Buying Dental Insurance In India

Consider the following when buying dental insurance plans:

• The sum insured limit for your dental coverage plans is the most important factor to consider
• Compare all dental insurance coverage plans to make a smart purchase. Find out if the treatments and procedures required by you are covered by your health plan or not.
• Cross-check all the inclusions and exclusions mentioned in your dental insurance coverage
• Check the network hospitals available to you
• Check out the claim process and claim support

Final words

It is important to note that not all health insurance plans offer dental health coverage. However, you can avail of the same as an add-on by paying a minimal additional premium. If you wish to know more about dental coverage plans connect with PolicyX health insurance experts.

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