Dental insurance plans are policies that provide cover for expenses arising out of standard dental procedures, such as filling cavities, making dentures, root canals, dental x-rays, and tooth extractions among others. In recent times, the rising and often prohibitive costs of dental treatment, have made these plans more popular. Here’s a detailed list of the best dental insurance plans. Based on their features, benefits, exclusions, and costs, you can make an informed choice.
This policy offers a minimum sum insured of Rs. 2 Lakh and a maximum of Rs. 2 Crore. It offers 60 days pre-hospitalisation coverage and 180 days post hospitalisation coverage. Dental consultations are available on plans where the sum insured is ₹15 lakh or more. Moreover, you will be covered up to the sum insured on obesity treatment, hospitalisation for psychiatric treatment, and select modern treatment procedures.
It is one of the few health insurance policies in India that cover dental treatment costs. It will also cover you for medical emergencies, such as accidents, critical illnesses, and surgeries. Expenses incurred on outpatient treatments, including dental procedures and investigations, are covered. The maximum sum insured for both the individual and family floater plans is ₹3 Lakh.
The premium payable (inclusive of tax and cess) is as follows:
The importance of regular doctor consultations and standard dental procedures for your oral health, hygiene, and the shine of your pearly whites cannot be overstated. Getting a Star Comprehensive Insurance policy may help protect your savings from exorbitantly high out-of-pocket expenses because it covers outpatient dental expenses up to a specified limit. Procedures, such as bariatric surgery and selected modern treatments, are also covered.
Need quick relief from dental pain? Now, you can get help from your dentist without having to worry about high out-of-pocket expenses. That’s because this insurance policy will pay for standard dental procedures, such as root canal, dental x-rays, composite fillings, malocclusion treatment for adolescents, and even tooth extractions.
This could be a great option if you want protection from expensive dental care bills. It not only covers OPD dental procedures, such as root canals, tooth extractions, and fillings, but also in-patient dental treatments and hospitalisation due to dental injuries and accidents. After a waiting period of 2 years, you’ll get OPD coverage of up to ₹10,000. With this plan, you can also avail of cashless claims settlement on dental treatment at more than 7,200 hospitals in India.
While each dental insurance plan may be unique and come with exclusive benefits and features, some common benefits could be:
Individual health insurance policies may offer limited coverage for dental expenses, subject to conditions specified in the policy document. Some insurers may not cover dental expenses under their basic plans but offer coverage for dental procedures only with their add-on plans. Read your policy document carefully for all the details.
Family floater plans are ideal for families. If you want coverage from dental care expenses for the entire family, go for a family floater plan that covers dental expenditure.
Some insurers may include dental surgeries and accident-related dental treatment under the critical illness clause of their health insurance plans. Some may also offer them as add-on benefits. Carefully study the policy document for details.
Some personal accident insurance plans may pay for an expensive dental procedure, provided it was necessitated by an accident. Most health insurance policies in India cover a limited set of dental treatments and procedures under the personal accident cover clause.
Some policies could pay for preventive or restorative dental care expenses. Please go through the policy document carefully to check the full list of illnesses or conditions covered.
The following procedures are generally not covered:
While the criteria are generally plan-specific and vary from insurer to insurer, in general, anyone aged between 18 years and 65 years, could get covered (individual policies). Family floater plans usually cover children aged 90 days and above.
The steps could vary depending on whether it’s a cashless or a reimbursement claim. Additionally, each insurer may have their own guidelines and requirements. However, here are a few common steps:
Evaluate your needs and see how well a plan fits them. It will also be easier for you to decide whether you need to opt for an add-on or rider provision.
There are four types of dental insurance plans. They are:
Ensure that you meet the eligibility conditions of a dental insurance policy before you apply.
How much is the sum insured? Is it sufficient? What are the exclusions? Is there a waiting period? Will it cover your loved ones as well? Assess all these factors carefully.
Want a value-for-money option? Then don’t just look for the lowest premium. Closely evaluate the sum assured, exclusion clause, waiting period clause, and pre-existing disease clause to name a few. Try and quantify the value delivered in terms of protection and benefits.
Dental expenses, just like general healthcare expenses, are constantly on the rise. With the right dental insurance policy, you can not only protect your hard-earned savings but also have peace of mind.
But if you want comprehensive health insurance protection for a super-affordable premium, starting at just ₹235 per month, download the Navi App on your phone and get a quote today.
Yes, you need to furnish the original hospital bill, pharmacy bill, and consultation bill while raising a claim.
Treatment expenses due to dental damages for an accident are reimbursed under the dental insurance plan.
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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