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Health Insurance 1445 views June 16, 2021
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.
Table of Contents
We are showing some health insurance plans with which you can get dental insurance. Please check!
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.
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.
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.
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.
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.
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.