Top Dental Insurance Plans in India

One crucial aspect of our health that people often overlook when purchasing insurance is dental coverage. Dental hygiene is just as important and can be as costly as other health needs typically covered by insurance.

In today’s world, where inflation is on the rise and having health insurance for you and your family is essential to prepare for unexpected medical issues, dental insurance is equally important. Ensuring your oral health is protected should be a priority alongside other health coverages.

By the end of this blog, you'll be well-informed about dental insurance, including the types of plans that best fit your needs, the importance of dental insurance in India, and the dental insurance coverage options available in India.

What is Dental Insurance in India?

Dental insurance can be either a standard feature of a health insurance plan or an additional coverage option. It helps cover expenses for various dental treatments, including surgeries and outpatient consultations.

Standalone dental insurance plans are not widely available in India. Instead, dental coverage is usually integrated into a comprehensive health insurance policy. This approach allows policyholders to claim dental expenses alongside other medical costs, such as hospitalization and medications.

Why you and your family needs Dental Insurance?

We can never predict the circumstances or unexpected medical situations we might encounter. Being prepared in advance helps ensure that you can focus on taking care of your loved ones rather than stressing over expenses. To avoid such situations, here are a few reasons why you should consider getting dental insurance for yourself and your family:

> Unexpected dental expenses: Just as we prepare for unexpected hospitalizations or illnesses with health insurance, it's equally important to protect yourself and your family with dental insurance. Dental issues, such as needing consultations, treatments, or implants, can place a significant financial burden on your savings. Having dental insurance ensures that you are financially prepared for these costs and helps maintain your oral health without straining your budget.

> Peace of mind: With dental insurance, you can alleviate financial stress by having your dental expenses covered, allowing you to focus on your health without worrying about unexpected costs.

> Ensure consistent oral care: Investing in dental insurance is important for maintaining your overall oral hygiene. Regular checkups are key to preventing serious dental problems. With dental insurance, you gain access to routine care and treatments, such as teeth cleaning, ensuring your dental health is consistently monitored and preserved.

> Quality Service: Another reason to invest in dental insurance is the access it provides to a network of top dentists in your city, ensuring you receive high-quality care. For instance, if complications arise with procedures like dental implants or if initial treatments are not satisfactory, the costs for corrective treatments can be significantly higher. Dental insurance helps you avoid such additional expenses by connecting you with reputable dental professionals.

Understanding how Dental Insurance works

Just like with health insurance, it's important to be aware of certain aspects to fully understand how dental insurance functions in India.

> Additional OPD Coverage: Many standard health insurance policies in India do not include coverage for dental treatments. However, you can opt for an additional OPD dental insurance plan by paying a supplementary premium, which provides coverage for dental care.

> Waiting Period: Just like health insurance, dental insurance or add-on benefits also have a waiting period. This period can vary depending on the type of insurance plan and the premium you pay. It typically ranges from 2 to 3 years before you can make a claim.

> Coverage Limit: Dental insurance plans often have a specified coverage limit. For instance, if your plan covers up to ₹10,000 and your dental expenses amount to ₹15,000, you would need to pay the additional ₹5,000 yourself.

> Claim Settlement: Dental insurance offers options for claim settlement similar to regular health insurance. You can choose between reimbursement or cashless treatment, depending on the terms and conditions of your specific plan.

Different types of health insurance plans offering dental insurance in India

Here are the different types of health insurance plans available in India that include dental coverage:

> Accidental Plans: Certain accident insurance plans may cover dental costs if you injure your teeth in an accident.

> Critical Illness Plans: These plans focus on covering the expenses for treating severe illnesses and might include coverage for dental surgeries if they are deemed critical.

> Family Health Insurance Plans: Family floater plan offer comprehensive medical coverage for all family members, including dental care.

> Individual Health Plans: These policies may offer dental coverage as part of basic benefits or through additional options. To include dental coverage, you might need to select an add-on and pay an extra premium for this feature.

Top health insurance with dental insurance in India

Understanding the range of dental insurance plans is crucial for making well-informed choices. By comparing factors such as interest rates, coverage inclusions and exclusions, waiting periods, and claim settlement procedures, you can evaluate the options that best meet your needs and preferences. This comprehensive approach ensures that you select a plan that aligns with your financial and healthcare requirements.

Here are top 5 plans with dental insurance in India:

1. Tata AIG health insurance plan

Here are two types of dental insurance plan by TATA AIG:

a) Medicare

TATA AIG medicare plan features are:

- Sum Insured: ₹3 Lakhs - ₹20 Lakhs

- Coverage: In-Patient Dental Treatment

- Details: Covers medical expenses for in-patient hospitalization for dental procedures performed under anesthesia due to accident, illness, or injury.

- Limit: Up to the sum insured amount.

b) Medicare Premier

TATA AIG medicare premier plan features are:

- Sum Insured: ₹5 Lakhs - ₹3 Crore

- Coverage: OPD Dental Treatment

- Details: Covers dental expenses for OPD treatments, including:

> Root Canal Treatment (single or multiple sittings)

> Tooth extraction(s)

> Filling(s)

2. Bajaj Allianz Health Care Supreme Plan

Bajaj Allianz is considered one of the best dental insurance providers in the market in India. Here is the detailed information for you to compare and make smart decisions.

a) Coverage Includes:

> Dental consultations

> Dental treatments under outpatient expenses

b) OPD Dental Services Covered:

> Root canal treatments

> Tooth extractions

3. Aditya Birla Active Health Platinum Enhanced Platinum Plan

a) Dental Coverage: Includes consultations and investigations.

b) Availability: Only applies to dental services provided at network hospitals listed by the insurer.

c) Eligibility: Available for policies with a coverage amount of ₹15 lakhs or higher.

4. Bharti AXA Health Advant EDGE Plan

a) Dental Coverage Availability: Offered as an optional add-on under the Apex and Royal variants of the plan.

b) Coverage Limit: The upper limit is either 0.5% of the sum insured or ₹1 lakh, whichever is lower.

c) Additional Benefits: Physiotherapy (in-network), Diagnostic services, Pharmacy expenses and Doctor consultations.

5. Care Plus Health Insurance Plan

a) Coverage Type: Outpatient dental treatments under OPD coverage

b) Coverage Limit:

> Up to ₹1500 for sum insured amounts of ₹5 lakh and ₹7 lakh

> Up to ₹2500 for sum insured amounts of ₹10 lakh and ₹25 lakh

Are dental implants included in insurance coverage?

While dental coverage isn’t commonly included in most health insurance plans, some insurers are now offering dental insurance as either an add-on or part of the core policy. This provides coverage for essential dental care and allows you to better manage your oral health. Such policies typically cover procedures like root canals, routine check-ups, tooth extractions, fillings, and preventive care.

However, it's important to note that cosmetic dental treatments such as orthodontics, dentures, prostheses, and jaw realignment are generally excluded from coverage.

Dental insurance is often excluded from basic health insurance because oral care is generally viewed as a cosmetic enhancement rather than a necessity for overall health. Therefore, when purchasing dental insurance or an add-on, it's important to review what is included and what isn't. While coverage may include surgeries, dental implants, and consultations, cosmetic procedures like dentures, jaw alignment, implants, prostheses, or orthodontics are typically not covered. Make sure to understand the policy details before committing.

Summary 

Dental care is a crucial factor to consider when selecting a health insurance plans, whether you choose to include it as an add-on benefit or as part of a comprehensive policy. By now, you should have a clearer idea of all top dental insurance that covers implants and other essential procedures. Before making a decision, ensure you review the eligibility criteria, coverage details, exclusions, claims process, and the necessary documentation required.

While dental insurance is a crucial aspect of comprehensive health care, it's essential to also consider overall health and term insurance for complete coverage. For expert guidance on finding the right health insurance plan that suits your needs, visit OneAssure. Our consultants are here to help you explore options and secure the best coverage for you and your family. To read more about the products and services provided by different company’s click here.