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. 

No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to 75k | Buy Health Insurance starting @ ₹244 pm

  • Dental Insurance Plan

India has a high prevalence of dental diseases, with up to 90% of school children and adults experiencing dental cavities as per the National Oral Health Programme. While dental caries and periodontal disease are common, oral cancer is also the most common type of cancer in the country. 

 

This makes oral health a very important consideration, requiring your time, care and attention. When opting for health insurance, make sure to check whether the plan provides adequate coverage for dental procedures. Dental treatments can be quite expensive, and that is why dental insurance is so important.

  • What is Dental Insurance?

Dental insurance is basically a health insurance plan that covers expenses incurred on dental health. Contrary to popular opinion, many dental procedures require cutting-edge equipment and high level of expertise, making them quite heavy on the pocket. 

 

With dental insurance plans, you can reduce your financial strain and get dental treatment on time and without compromise. Simply choose a health insurance policy that offers coverage for oral procedures. While there are very few standalone dental insurance plans, this cover is offered by certain comprehensive health plans

Top Health Plans with Dental Insurance Available at Bajaj Markets

Name of the plan

Features

Premium amount

Aditya Birla Activ Health Platinum Enhanced Platinum Plan

Total sum insured from ₹15 Lakhs up to ₹2 Crores

Covers dental investigative procedures and consultations

Claim ratio of 99.36%

Starting at ₹3,887

Care Plus Health Insurance Plan

Total sum insured ranging from ₹5 - ₹25 Lakhs

Covers OPD dental treatments

Claim ratio of 100%

Starting at ₹5,277

Bajaj Allianz Health Care Supreme Plan

Total sum insured up to ₹50 Lakhs

Covers OPD dental consultations and procedures

Claim ratio of 98.61%

Starting at ₹2,194

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

Benefits of Dental Insurance

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. 

Does Health Insurance Cover Dental Care Expenses?

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.

Inclusions and Exclusions in Health Plans With Dental Insurance

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. 

Inclusions

Exclusions

Preventive dental treatment

Jaw alignment

Oral dental check-up

Dentures

Tooth extractions

Prothesis

Root canal treatment

Implants

Tooth filling

Cosmetic treatments

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. 

Why You Should Not Wait to Cover Yourself Under Dental Insurance?

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 plans with dental cover, visit Bajaj Markets. 

Health Insurance Plans Available at Bajaj Markets

FAQs on Dental Insurance

  • ✔️Do all health insurance plans provide dental insurance coverage?

    No, not all health insurance plans provide coverage for dental procedures. Always remember to check the policy document thoroughly to determine whether it provides dental insurance coverage.

  • ✔️What if a health insurance plan does not provide coverage for dental procedures?

    If a health insurance plan does not offer dental insurance coverage as part of its base plan, you can opt for a rider that does, such as an OPD Cover, or switch your policy to one that covers certain dental procedures.

  • ✔️Do personal accident policies cover dental procedures?

    Yes. Personal accident insurance policies do cover dental procedures, provided that the injury to your teeth has occurred due to the accident.

  • ✔️Are there any limits to dental insurance coverage in health insurance plans?

    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.

  • ✔️Are dental surgeries covered by dental insurance plans?

    Yes. Many health plans with dental insurance provide coverage for dental surgeries. However, do make sure to take a look at the terms and conditions of the policy to check which procedures are covered.

  • ✔️Is root canal covered in dental insurance?

    Yes, root canal procedures are usually included in most health plans with dental insurance. It is ideal to check with your insurance provider before availing a plan to be sure of what is covered.

  • ✔️Does tooth extraction come under dental insurance?

    Yes, tooth extraction is included as a part of a comprehensive health insurance plan. Nevertheless, it is advisable to check your policy details to understand the coverage in detail.

  • ✔️Is dental implant covered in insurance?

    No, most health policies with dental insurance plans do not cover dental implant procedures. However, check with your insurance provider to get a clear idea of what the plan covers.