Health Insurance Policy that Cover Dental Treatment

The plan is available in three variants, namely – Standard plan, Exclusive plan and Premium plan.
Standard variant – ranges from INR 2 lakh to INR 5 lakhs.

Exclusive variant – ranges from INR 7.5 lakh to INR 50 lakh.

Premium variant – ranges from INR 4 lakh to INR 50 lakh.

For Children –  3 months and above (provided one of the parents is already covered under the annuity).
For Individual Plans (Adults):

Minimum entry age – 18 years

Maximum entry age – 65 years (Includes all variants with renewability for life)

Offer coverage for:
In-patient hospitalization

Ambulance charges (INR 2000)

Pre, post hospitalization

Day care treatment

Domiciliary costs

Charges for organ donation

AYUSH treatment

Cash benefit of daily on the basis of shared accommodation

Newborn coverage

Maternity coverage

Free health check-up (up to 1% of SI after 3-4 years as per plan variant)

OPD or outpatient coverage for dental coverage is allowed only after the completion of 3 years waiting period.
The coverage is offered under Premium Plan only

Up to 1% of the Sum Assured can be availed as a coverage amount up to a maximum of Rs.5000 if a

For INR 4 – 10 lakh Sum Assured, you can avail over 1% of SI as a coverage amount or to a maximum of INR 5000.

For INR 15 – 50 lakhs sum insured, the utmost limit goes up to INR 7500

There are certain exclusions for dental coverage, which is offered only after 3 years of continuing the policy:
These exclusions are totally excluded from the insurance plan even after the completion of the waiting period.

They include: cosmetic operation, dental implants, orthognathic surgery, dentures, orthodontics, jaw alignment, dental prosthetics, surgery of jaw bone and so on.

The Bharti AXA plan comes in two variants namely, the Basic plan and the Optimum plan
Basic variant – offers coverage for INR 2 lakh

Optimum variant – offers coverage for two options of INR 3 lakh and INR 5 lakh.

For Children –  3 months and beyond (provided parent/parents already covered by the plan).
Individual Plans (Adults):

Minimum entry age – 18 years

Maximum entry age – 65 years (both variants with renewability for life)

Offer coverage for:
In-patient hospitalization

Ambulance charges (INR 2500)

Pre, post hospitalization

Day care procedure

Physiotherapy costs for in-patient

Treatment of out-patient in case of accidents

Domiciliary treatments

Organ transplant charges

Free health check up after every 4 years

The above coverage is offered under optimum variant.

Ambulance charges of INR 1500 available with basic plan.

The plan covers dental treatment only if it is necessary after an accident (that damages gums and teeth of policyholders).
If a treatment has not arisen by accidents, they are entirely excluded from such policies.