1176
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:
Read More: Health Insurance Plans that Cover Dental Treatment
Final Thoughts
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!
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.
Aditya Birla Activ Health Platinum Enhanced Plan. ...
Bajaj Allianz Health Care Supreme Plan. ...
Bharti AXA Health AdvantEdge Plan. ...
Care Plus Health Insurance Plan. ...
Chola MS Healthline Plan. ...
Digit Health Care Plus Plan. ...
Edelweiss HealthPlus Plan etc.
Found this post informational? Browse PayBima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance and Investment section. You can visit PayBima to Buy Insurance Online.
PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
AYUSH treatments have recently generated massive popularity as an emerging branch of medicine. Looking at the increasing demand for the treatment, it has become imperative.
The year 2024 started with some groundbreaking measures and initiatives in the health insurance sector to facilitate policyholders with better health coverage and benefits. One.
Our knee is an important joint in the entire musculoskeletal system. The support and strength of the knee are pivotal for fluid movement and locomotion..
Updated on Jan 30, 2024 Understanding how OPD and IPD are two different terms in medical science, their coverage in health insurance plans and the.
Updated on Jan 23, 2024 February 10 marks the National Deworming Day observed every year across India. Let us understand the importance of deworming and.
Insurance is an indispensable requirement. However, not everyone can afford individual medical insurance to stay covered against major uncertainties, especially after retirement. If that is.
Updated on Feb 22, 2024 World Cancer Day aims at educating people and spreading awareness about detecting cancer and its prevention and treatment. Let us.
Updated on Jan 23, 2024 Rare Disease Day is an occasion observed on the last day of February every year. This year February 28 marks.
Cancer is a disease that needs no introduction. We all know how deadly the disease is and how rapidly it is spreading across the world,.
Updated on Jan 30, 2024 What is Insurance Regulatory and Development Authority (IRDA)? - Know in Detail The Insurance Regulatory and Development Authority of India.
Speak to our advisor
Mahindra Insurance Brokers Limited (A Mahindra Group Company) - Unit-202, A-Wing, 2nd Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, LBS Marg, Kurla West, Mumbai - 400070. Tel: +91 22 66423800
Licenced by IRDAI License No. 261; License Validity : 17-05-2025; Category : Composite Broker; CIN : U65990MH1987PLCO42609 Member of Insurance Brokers Association of India (IBAI).
Insurance is the subject matter of solicitation.
For a seamless experience, use the latest version of Chrome/Firefox/Internet Explorer.
Copyright © 2024 Mahindra Insurance Brokers. All Right Reserved.
Verify your number to activate your best premium offer
Please enter the OTP sent to XXXXXX 4099 to continue