5 min read
A smile is generally the best feature of our face. And a beautiful smile comes with a lovely set of teeth. This is why it is absolutely essential to take good care of our teeth, ensuring that they stay strong, healthy, and sparkling as always! But teeth maintenance comes at a price – the price that we pay to dentists to help ensure that our teeth always stay in good condition. To cover these costs, there is dental insurance.
Here we talk all about dental insurance in India – what it is, what it generally covers, and what is excluded from the policy, to help you make an informed decision before purchasing dental insurance.
As is evident in its name, a dental insurance policy aims at covering all related costs to dental health. This means that any cost incurred on the treatment of teeth, including dental implants, surgeries, root canal treatments, teeth whitening, straightening, and the like, can be covered under dental insurance plans.
There are two types of dental insurance policies:
Now, as the name suggests, a stand alone dental insurance refers to a plan that is purchased exclusive of a health insurance policy or mediclaim. This is generally done in case dental coverage is not already included under your healthcare plan and you’d like to have dental care covered separately.
Some healthcare plans provide dental insurance coverage as part of the base policy. This is called a dental insurance cover. In this case, a stand alone dental insurance policy need not be purchased separately since it is already a part of the base health insurance plan that you have already bought from your insurer.
Now that we understand what dental insurance is generally used for, let us look at what all it covers.
A dental insurance policy works just like any other healthcare plan, offering different cost coverages as per the discretion of the said insurance company that has issued the policy. This means that the treatments covered under different dental insurance plans may vary from one plan and one insurer to another. However, for the purpose of understanding, here we list out some of the most common areas covered under dental insurance plans:
If you are required to take any of the above treatments or undergo any procedure for dental care, make sure to avail the dental health insurance policy for cost coverage of the same.
Just like a normal health insurance policy, dental insurance too covers some aspects of dental care costs and leaves out some of the others. In order to buy dental insurance for yourself and/or your loved ones, it is essential to know what is not covered under the plan so that you can make a more informed choice regarding maintaining your teeth:
Any procedure performed from above is liable for dental cover exclusion. However, as stated earlier, dental cost coverage varies from one plan to another and also from one insurer to the other. This means that each insurer has the right to include or reject a particular coverage area in dental health insurance plans.
Thus, it is always essential to check with your individual insurer or insurance company about what is covered or not covered as part of dental health insurance plans.
In case your general health insurance cover fails to provide a dental insurance cover, you can purchase one from your insurer. In that case, it would help to bear the following points in mind:
Dental insurance is fast becoming a part of several health insurance plans in India, simply because teeth are one of the most important gifts to mankind. They are extremely useful too and of course contribute to a person’s look. Find the best dental health insurance in India on PayBima and keep your smile alive for longer!
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10,000 annually. By adding an OPD dental insurance coverage, the annual premium might increase to Rs. 11,000. Even if dental insurance is covered under your OPD cover, it can come with the following conditions.
Most health insurance providers do not cover dental procedures because they are considered cosmetic treatments. And generally, health insurance plans do not cover elective procedures done for aesthetic purposes.
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