A dental insurance policy provides cover for several dental procedures such as filling cavities, dentures, root canal procedures, tooth extraction, etc. These procedures are categorized into preventive or diagnostic.
Therefore, selecting the best dental insurance in India requires sufficient research. To make your job easier, here is a list of the dental insurance plans to know about, their benefits, eligibility criteria, claim procedure, exclusions, and more.
Check out the list of the best dental insurances in India:
This is a comprehensive health coverage plan. Navi has a connection with 10,000 plus network hospitals across 400 plus locations all over India. This plan provides coverage up to INR 1 crore.
This plan provides dental insurance cover for consultation and investigation. Additionally, the minimum sum insured in this policy is Rs. 2 lakh, and it goes up to Rs. 2 crores.
Under this plan, one can get coverage for surgery, examinations, extractions, crowns, and fillings.
Members can get coverage up to 0.5% of the sum insured or Rs. 1 lakh. The treatments covered under this plan are in-network doctor consultation, pharmacy, diagnostics, and physiotherapy.
It offers outpatient dental treatment cover for X-Rays, root canals, composite fillings, and extractions. Also, it extends its coverage towards prescribed medicines for treatment and alignment of adolescent teeth.
Individual health policies include dental cover under their basic plan or additional benefits or premium covers.
Critical medical procedures such as dental surgeries fall under the coverage of certain critical illness health policies.
Dental insurance coverage is available under family floater health plans where an insured, and family members can benefit.
Certain policies cover preventive care in case of regular medical check-ups, consultation costs, etc. These plans can even cover dental care requirements.
Dental expenses are also covered under personal accident plans. Therefore, treatment expenses for any accident that results in dental injury are covered under this policy.
Here are the advantages of availing of the best dental insurance plans:
Members must consider certain specific pointers before obtaining a dental insurance plan. Considering these factors will enable them to select a plan that best suits their needs and is affordable at the same time. Check out the points here:
It is crucial to evaluate your needs and demands before purchasing a dental insurance plan. Further, evaluating your needs will also allow you to make a proper selection between individual or family floater plans.
There are four types of dental insurance plans. They are:
One must be aware of the dental insurances available in an area before purchasing them. Not all the plans will be accessible to a member in a certain area.
Members should also learn about the inclusions in a dental insurance policy and settle for a plan that meets their requirements.
It is vital to compare insurance policies before choosing the best dental insurance plan that suits one’s budget. Comparing the plans will also allow an individual to choose an affordable plan that offers maximum coverage.
The following procedures do not fall under the coverage of the best dental insurance plans:
Policyholders of a minimum of 18 years of age and a maximum of 65 years are eligible to obtain dental insurance. Although the eligibility requirements vary across insurance providers, children of 90 days of age can be covered under a dental insurance plan.
Moreover, insurance providers like Navi offer comprehensive health coverage benefits for you and your family in less than 5 minutes. Download the Navi app and enjoy cashless claims on your dental treatments in under 20 minutes.
Check out the claim procedure for the best dental insurance plans:
To choose the best dental insurance plan, one must follow these steps:
The reasons for choosing Navi as your insurance provider is as follows:
From the aforementioned section, selecting the best dental insurance plan is convenient and less time-consuming. In addition, having prior knowledge about its claim procedure, benefits, points to consider, etc., will further streamline the process.
Ans: Yes, you need to furnish the original hospital bill, pharmacy bill, and consultation bill while raising a claim.
Ans: Treatment expenses due to dental damages for an accident are reimbursed under the dental insurance plan.
Ans: Yes, dental insurance covers the cost of teeth whitening.
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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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