Dental Insurance Plan

A dental insurance plan is essentially a kind of insurance policy that covers expenses incurred in relation to your dental health. Contrary to popular opinion, many dental procedures tend to be very expensive since they involve the use of costly equipment and a high level of skill to perform operations. However, with dental insurance plans, you can reduce the amount of financial burden that you would otherwise have to bear. The coverage offered for dental procedures in a health insurance policy can be used to pay for these costly procedures. 

Disclaimer: The claim ratio and premiums are subject to change as per the latest information by the issuer.  

Availing a dental insurance plan can provide you with multiple benefits. Here is a quick look at a few of them.

• Free Consultations

With dental insurance, you can avail doctor consultations for dental health without spending out-of-pocket. Some plans even offer unlimited free consultations.

• Lowers Dental Treatment Costs

Many dental procedures and minor surgeries are partially covered by health insurance. This lessens your financial burden significantly. 

• Free Preventive Dental Care

Health plans with dental insurance may provide coverage for preventive dental care procedures like diagnostic tests, teeth scaling, and cleaning. 

Not all health insurance plans provide insurance for dental treatments. One of the primary reasons for this is the fact that dental procedures are usually viewed as something that is pre-planned and cosmetic in nature. 

However, due to higher incidence of dental treatment in India, many insurance providers have added dental insurance to comprehensive healthcare plans today. So, you can get cover for certain dental procedures, both requiring hospitalisation or just day care treatments. 

Another way to get dental insurance is to add the OPD cover or Outpatient Department cover to your base plan. This bolsters your health plan at a higher premium and offers you protection for oral issues. 

Many preventive healthcare policies, personal accident insurance, and family floater health insurance plans have started covering dental care expenses as a part of the base plan or through optional add-ons and riders. This way you can take care of your dental health expenses with ease.

 Exclusions in Health Insurance With Dental Cover

Cover for dental procedures varies from one health insurance provider to the other. Reading the policy terms and conditions can help you make an informed choice. However, here is a brief overview on common procedures are included and excluded in a health plan with dental insurance. 

Oral chemotherapy is usually included in top comprehensive health insurance policies. Any dental treatment that comprises cosmetic procedures, dental implants, dentures, orthodontics, dental prosthesis and surgery of any kind unless as a result of accidental bodily injury to natural teeth and also requiring hospitalization are usually not covered. 

If you have not availed one of the best health plans with dental insurance, it is ideal to get it at the earliest. One of the primary reasons is the exorbitant cost involved with most dental treatment procedures.

For instance, a typical root canal treatment may cost anywhere from ₹1,500 to ₹12,000 depending on the practitioner and the city you reside in. Similarly, a relatively simple procedure such as tooth extraction may also cost you thousands. 

You can avoid paying for all of these procedures out of your own pocket by simply opting for a comprehensive health plan with dental insurance. Now that you are aware of the importance of dental insurance, make sure to buy one without delay. 

To check out some amazing health insurance with dental cover, visit Bajaj Markets. 

Health Insurance Plans Available at Bajaj Markets