Health Insurance 4979 views April 6, 2020

Which Mediclaim Policy Covers and Not covers Dental Treatment?

Mediclaim Policy is designed to cover medical expenses irrespective of their nature. Whether the medical expenses incurred due to hospitalization or a small treatment, Mediclaim policies are designed to cover all. Dental treatment is one of the most common forms of treatment that requires frequent visits to the doctor and involves taking a lot of medicine. The dental treatment being a frequent treatment can cause a hole in your pocket. Most insurance providers do not cover dental treatments as a part of their Mediclaim policy. Dental treatment is usually excluded from the policy cover. However, don’t feel disappointed as certain insurance companies provide coverage for dental treatment.

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List of insurance policies that cover the cost of dental treatments.

Apollo Munich Maxima Health Insurance Plan

Apollo Munich Health Insurance Company is one of the leading health insurance providers in India. Recently, Apollo Munich has been merged with HDFC ERGO. As a result, the brand identity of the combined entity is HDFC ERGO. The company has launched an insurance plan called the Apollo Munich Maxima Health that covers the cost of dental treatment. The plan covers the treatment as well as the OPD expenses which are otherwise not included in most Mediclaim policies. Under this plan, 1% of the sum insured is given for dental treatment (subject to a max of INR 5000 or INR 7000). Additionally, the capping is also dependent on the number of members covered i.e. for individuals – the maximum capping is INR 5000, for 2 members, the maximum capping is INR 5500, and for 4 members, the maximum capping limit is INR 7000. The plan also covers specific dental treatments which are not caused due to accident.

Bajaj Allianz Health Guard Policy

Bajaj Allianz is one of the most trusted names in the insurance industry. The company has come with an insurance plan that covers the cost of dental treatment. The Bajaj Allianz Health Guard Policy covers in-patient hospitalization expenses incurred due to illness or accident. It also covers the cost of dental treatment and surgery of all types. However, the plan does not cover the cost of hospitalization occurring in the event of an accident causing harm to the insured’s teeth.

Bharti AXA Smart Health Insurance Plan

Bharti AXA Health Insurance company has introduced the ‘Bharti AXA Smart Health’ Plan to cover the cost of dental treatment and surgery arising due to the occurrence of an accident. The plan covers the expenses of the entire family for hospitalization, critical dental surgeries, pre and post- hospitalization expenses, etc, but in the event of an accident.

BSLI Saral Health Insurance Plan

Birla Sun Life Insurance Company Limited offers a comprehensive health insurance plan that takes care of most medical expenses. The Birla Sun Life Insurance Saral Health Plan is a health insurance policy that covers regular medical expenses and also offers extended coverage for dental treatment, dental check-up, OPD charges and surgeries.

ICICI Prudential Health Saver Insurance Plan

The plan is a comprehensive package offering coverage against all medical expenses including doctor consultation fees, pre and post-hospitalization expenses, pharmacy bills, diagnostic expenses, and much more. The plan also extends the cover the dental treatment. All the expenses incurred towards dental treatment and surgeries are covered under this policy

LIC Health Protection Plus Insurance Plan

LIC is a pioneer institute offering unique Mediclaim policies that cover almost all treatments and ailments. LIC’s Health Protection Plan can be availed for individuals or families to cover their medical expenses. The plan extends the coverage to dental treatments, surgeries, medicines, doctor consultation charges, etc.

SBI Life Smart Insurance Plan

SBI Life is one of the leading insurance providers in India offering uniquely crafted insurance plans for its customers. The SBI Life Smart Insurance plan is designed to cover the cost of dental treatment and surgeries. However, the coverage is offered only if any of the dental treatment is not caused by an accident. Thus, the plan offers dental treatment arising out of natural cause and not due to an accident.

Chola MS Travel Insurance Insurance Plan

This plan by Chola MS is a travel insurance plan where the coverage is offered to individuals who want insurance coverage during their travel. The plan covers the cost of dental treatment. However, being a travel insurance plan, it covers dental treatment expenses incurred during travel.

Final Words

So, above are some of the insurance plans that offer coverage for Dental treatments. Even though these plans cover dental treatments, there is a certain capping to such coverage. This capping is represented in the form of a certain pre-determined amount or by a certain percentage of the Sum Insured. There are no dedicated dental treatment Mediclaim policies in India, neither the existing policies cover dental treatment expenses up to the sum insured. So, it is recommended to carry out extensive research to find a mediclaim policy as per your needs.

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