Health Insurance 388 views June 16, 2021

Dental Insurance in India

According to a report by the World Dental Federation, more than 3.9 million people suffer from Oral Health diseases across the world. When we talk about India, only 19% of its population visits the dentist twice a year for regular dental checkups due to the high costs involved in the same. So, we need Dental Insurance to get coverage against the costs incurred on dental procedures (either diagnostic or preventive) performed by medical professionals.

While you may not get a standalone or exclusive dental insurance policy, you can still choose health insurance plans that provide coverage against dental treatment as advised by a medical practitioner. Do remember that cosmetic surgeries don’t come under dental treatments. Some of the common procedures that come under dental insurance are tooth extractions, dentures, root canal procedures, filling of caries, etc.

If you want to protect your oral health while keeping your financial harmony intact, go through this page where we will talk about some of the top health insurance plans that provide dental insurance along with their benefits. Let’s start without any further delay.

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Best Health Insurance Plans with Dental Insurance Cover

We are showing some health insurance plans with which you can get dental insurance. Please check!

HDFC ERGO Easy Health Plan

Easy Health Plan from HDFC ERGO is an individual health insurance plan with some attractive benefits. This plan comes with three different variants – Standard, Exclusive and Premium.

Under the premium variant, you can get coverage against outpatient dental treatment up to 1% of the sum insured, with the maximum amount being capped to INR 7,500 in a policy year. The sum insured under the premium variant ranges from INR 4 to 50 lakh.

Also, the waiting period to get the OPD dental treatment stands at three years. So, you will need to wait for 36 months to get any coverage against dental treatment expenses.

Bharti AXA Super Smart Top Up Policy

You can get reimbursement of medical expenses incurred on dental treatment that happens due to an accident. The insured member should suffer injuries or damage to his/her natural teeth or gums during the accident. You can also get coverage against follow-up medical treatment expenses for the same accidental dental injury up to 15 days by the same dentist.

Policyholders can receive dental treatment on an out-patient, in-patient care or day care treatment basis. Some other benefits of the Bharti AXA Super Smart Top-up policy are organ donor expenses, surface ambulance charges, day care treatment expenses, pre & post-hospitalization expenses coverage, etc.

HDFC Ergo Health Maxima Plan

With HDFC Ergo Health Maxima Plan, you can get reimbursement against OPD Dental Treatment according to the type of policy. The sum insured remains INR 3 lakh for each type of plan variants. To know more, check the below table.

With this plan, you can get the following additional benefits.

  1. Doctor consultations (up to 8 per policy year)
  2. Pharmacy expenses coverage
  3. Specialist services
  4. Free Health check-ups
  5. Coverage of pre-existing illnesses under OPD benefits
  6. Tax benefits under Section 80D
  7. Cashless hospitalization over 4,000 hospitals across India

Tata AIG Medicare Premier Plan

When you choose Tata AIG Medicare Premier Plan, you will receive dental insurance along with other benefits. Once an insured member has completed two years of continuous coverage, the policy will provide coverage against the expenses incurred on the following dental treatments up to INR 10,000 per policy year.

  1. Root Canal Treatment (Single or Multiple Sittings)
  2. Tooth extraction(s)
  3. Filling

One of the best things about this plan is that this benefit has a separate limit (over and above the sum insured) which means it will not affect your cumulative bonus. Some other benefits of this plan from Tata AIG are as follows.

  1. Consumables benefit
  2. Bariatric surgery coverage
  3. Emergency Air Ambulance
  4. 540+ Day Care Procedures Coverage
  5. In-patient treatment coverage
  6. High-end Diagnostics Coverage up to INR 25,000 per policy year
  7. Maternity Cover up to INR 50,000 per policy
  8. First Year Vaccinations up to INR 10,000
  9. Compassionate Travel up to INR 20,000
  10. OPD Treatment cover up to INR 5,000 per policy year

Chola MS Privilege Healthline Plan

This policy from Chola MS Health Insurance gives insured members coverage against Outpatient Dental Specs up to INR 10,000 every two policy years. Under this health insurance plan, you will get multiple sum insured options – 5/ 7.5/10/15 /20 /25 lakh from which you can choose according to your affordability.

You can also check its key features mentioned below. 

  1. Emergency Ambulance Expenses up to INR 5,000 per hospitalization
  2. Maternity Expenses up to INR 1 lakh per delivery
  3. Extended Hospitalization Allowance (Minimum 10-day Hospitalization) up to INR 10,000
  4. Pre and Post Hospitalization expenses for 60 and 90 days, respectively
  5. Double Sum Insured for Critical Illness and Accidents
  6. Specialist Opinion Benefit for Critical Illness of INR 25,000

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