Our teeth are arguably the most neglected parts of our body. We tend to take it for granted, not realising the importance it plays in our lives. When opting for health insurance, many individuals fail to stop to check whether it includes coverage for dental procedures. However, it is crucial to include insurance for dental treatments since they can be quite expensive. Continue reading for more information.
Dental insurance is basically an insurance plan that covers expenses that you incur in relation to your dental health. Contrary to popular opinion, many dental procedures tend to be very expensive since it involves the use of costly equipment and a high level of skill to operate them.
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.
A dental health insurance plan provides multiple benefits to the policyholder. Here’s a quick look at a few of them.
With dental insurance, you can avail dental consultations for free. Some plans even offer unlimited free consultations as well.
Many dental procedures and minor surgeries are partially covered by dental insurance. This lessens your financial burden significantly considering the fact that dental procedures tend to be quite expensive.
Dental insurance plans provide complete coverage for preventive dental care procedures like comprehensive dental exams including diagnostic tests, teeth scaling, and cleaning. This allows you to effectively avail preventive dental care for free, without having to pay for it out of your own pocket.
Now that you’ve seen the dental insurance benefits, let’s take a look at whether a typical health insurance covers dental care expenses or not.
Generally speaking, not all health insurance plans provide insurance for dental treatments. One of the primary reasons for this has to do with the fact that dental procedures are usually viewed as something that’s pre-planned and cosmetic in nature. Therefore, many service providers decline providing dental health insurance for this reason.
However, of late, there are a few health insurance policies that do include coverage for dental procedures and consultations. And even if they don’t cover them as part of their base coverage option, they offer dental health add-ons and riders that you can opt for by paying an additional premium.
That’s not all. Several preventive healthcare policies, personal accident insurance, and family floater health insurance plans also cover dental care expenses either inherently or through optional add-ons and riders.
That said, keep in mind that while dental health insurance may cover expenses related to treatment of dental issues, they will not cover any cosmetic procedures such as jaw alignments or dental implants, unless the need for them arises due to an accident or a critical illness.
If you don’t already possess one of the best dental insurance, it might be a good idea to try and get it as soon as possible. One of the primary reasons for that has to do with the exorbitant cost involved with several of the dental treatment procedures.
For instance, a typical root canal treatment may cost anywhere from Rs. 3,000 to Rs. 10,000 depending on the practitioner. Similarly, a relatively simple procedure such as tooth extraction may also cost in the thousands. However, you can avoid having to pay for all of these procedures out of your own pocket by simply opting for a comprehensive dental health insurance plan.
With this, you should now be aware of what dental insurance entails and the importance of getting yourself the best dental insurance there is. Since the coverage tends to vary wildly from one provider to the other, it is a good idea to thoroughly read through the terms and conditions of the plans offered by dental insurance companies. This way, you would be able to make a more informed decision.
No. Not all health insurance plans provide coverage to dental procedures. Always remember to check the policy document thoroughly to determine whether it provides dental insurance coverage.
If a health insurance plan doesn’t offer dental insurance coverage as part of its base plan, you might still be able to avail it by opting for a dental insurance add-on.
Yes. Personal accident insurance policies do cover dental procedures, provided that the injury to your teeth occurs as a result of an accident.
Yes. Almost all health insurance plans limit the amount of dental coverage that they offer. Take a look at your policy document for more information regarding the limits.
Yes. Many dental insurance plans provide coverage for dental surgeries. However, do make sure to take a look at the terms and conditions of the policy to ensure that your insurance plan does indeed provide coverage for such procedures.