Dental Insurance Policy in India – Everything you Need to Know

Everything You Should Know About Dental Insurance in India

Generally, people in India do not consider insurance policies for dental problems. But dental coverage has numerous benefits. If you want to know about health insurance with dental cover, read on to know more.

Does health insurance cover dental treatment? Do you want your health plan to have protection against dental problems? Dental problems are normally not considered as a major cause of concern that might require insurance coverage.  But the need for dental insurance can turn up any time in case of an emergency.

So, like numerous other coverage that you like to include in your health insurance, you must also seek a plan that allows protection against dental problems.  This will allow you to have coverage against every valuable part of the body to cover yourself and your family members.

Dental issues look small and so they get missed out in most cases. But the importance of such small problems is realized when you suffer from such problems. Further, in case of an unforeseen situation if your teeth get damaged due to injury, dental coverage will come to your rescue. So, it is important to look for a plan offering complete coverage so that if any need arises, you can be prepared to face that.

Further, with our junk eating habits it is very common for people to suffer dental issues these days. Cavity in teeth can make you suffer immense pain and might lead to several related conditions, which might make a hole in your pocket without dental insurance.

Sadly, not just the policy seekers but the insurers also neglect dental problems as there are not many insurers in the market offering dental insurance plans. Talking about dental conditions, root canal treatment, teeth fillings, tooth extractions and dentures are some of the common dental problems that are faced by people. So, if you are looking for an insurance plan covering dental problems, make sure to read and check the policy terms and conditions properly to ensure that the dental insurance coverage  covers the key dental conditions and your other dental requirements.

What are the Benefits of Dental Insurance Policy?

Neglecting dental problems can cost a huge hole in the pockets of many people. This is because dental problems require the equal amount of guidance and proper check-up as in the case of other bodily ailments. And with dental insurance by your side, you can easily get the expensive treatment done at ease. Further, when you have a dental coverage, you don’t neglect your teeth and go for proper check-ups on a regular basis.

Below are some of the other benefits of having dental insurance in India:

• The policyholder can receive unlimited consultation for free to take care of their teeth with the help of a dental insurance policy.
• Under these insurances, you get coverage against OPG and digital x-ray coverage.
• Some such dental insurance policies also offer discounts on teeth scaling etc.
• Also, teeth whitening is another coverage that you can avail under the dental insurance.
• Under such policies,  implantation of teeth and teeth bracing are also covered.
• With Dental insurance, you can get assured discounts on regular dental check-ups.
• If you have any teeth filling to be done, it might also be covered under your dental insurance coverage.
• Further, fitting steel crowns on your teeth is also covered under many dental insurance policies.
• You can get any infected tooth nerve cured with the help of your dental insurance.
• Dental policies also cover the charges of tooth removal of the insured.
• Surgical procedures related to teeth like tooth tissue biopsy and other infections are also covered under such policies.
• Lesions as well as mild infection are also covered under such plans.
• Further, you can get repairs of existing dentures under your insurance policies.

Dental Plan offered by Different Health Insurance Companies in India

Below are some of the dental plans offered by different dental insurance companies:

• Apollo Munich Maxima Health Plan – This policy allows coverage of dental treatment and injury except hospitalization cost.
• Bharti Axa Smart Health Plan – It covers injury of dental related aspects in case the insured gets any dental injury during an accident.
• LIC Health Protection Plus– This plan covers all dental related costs.
• Chola MS Health Insurance – This plan covers any kind of damage caused to the dental health of the insured.

Depending on the policy and the policy provider, dental treatment covered in mediclaim can differ depending on the different aspects of dental health and procedure. It actually depends on the policy that you buy to ensure what all coverage it offers to cover your dental conditions. So, it is important to read and compare policies to make sure what all you can expect from it in terms of your dental protection.