Get dental insurance to get cover for expensive dental procedures!
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Many health insurance plans in India include dental insurance as part of their standard benefits or as an optional addition. With these plans, you do not need to worry about paying your dental expenses. The insurance company is responsible for paying the costs directly or reimbursing you.
They offer financial support for various preventive, basic, and major dental services. These include regular cleanings, X-rays, teeth extractions, fillings, and other treatments. On Bajaj Markets, you can explore a wide range of health insurance plans with monthly premiums starting from just ₹160 per month.
Getting dental insurance can prove to be a smart investment strategy for your health and finances. Here are some benefits you must know about:
Financial Support
Dental plans reduce the financial burden associated with expensive dental procedures like extractions
Regular Check-ups
It encourages you to go for dental visits regularly since you have financial assistance to cover certain dental care expenses, if any
Cashless Hospitalisation
This eliminates the need to arrange immediate expenses during emergencies as the insurer settles the bills
Nowadays, you can get dental insurance plans from a wide range of insurance providers. Here are some of the plans you can explore:
Name of the Insurance Plan |
Key Features |
Premium Amount |
Tata AIG Medicare Premier |
Insurance coverage for hospitalisation expenses related to dental treatment requiring anaesthesia due to accident, injury, or illness |
Starting at ₹612 p.m. |
Bajaj Allianz Health Care Supreme |
Coverage for dental treatment expenses resulting from accidental injury, requiring hospitalisation |
Starting at ₹160 p.m. |
Care Plus Health Insurance Plan |
Insurance coverage for outpatient costs for dental and Ophthalmic treatments |
Starting at ₹672 p.m. |
Disclaimer: The premiums and features mentioned above are subject to change at the insurance companies' discretion.
Dental insurance does not generally come as a standalone insurance. You can get it as an inclusion or an add-on feature on your health insurance plan. Here are the various types of health insurance plans that can provide coverage for your dental treatments:
Individual Health Plans
These cover dental expenses under basic, additional benefits, or premium add-ons with an extra premium amount
OPD Health Plans
Such plans cover outpatient expenses, including dental consultations and tests
Critical Illness Plans
These plans for serious illnesses may also cover critical dental surgeries as part of essential treatments
Family Floater Plans
These plans cover various expenses for the entire family, including the costs of dental procedures
Personal Accident Plans
These plans can cover dental treatment expenses resulting from accidents causing tooth injury
FAQs on Dental Insurance
Do all health insurance plans come with dental cover?
No, not all health insurance plans provide coverage for dental procedures. Always remember to check the policy document thoroughly to determine whether it provides dental insurance coverage.
What if a health insurance plan does not provide coverage for dental procedures?
If a health insurance plan does not offer dental insurance coverage as part of its base plan, you can opt for a rider that does, such as an OPD Cover, or switch your policy to one that covers certain dental procedures.
Do personal accident policies cover dental procedures?
Yes. Personal accident insurance policies do cover dental procedures, provided that the injury to your teeth has occurred due to the accident.
Are there any limits to health insurance with dental cover plans?
Yes. Almost all health insurance plans limit the amount of dental coverage that they offer. Take a look at your policy document for more information regarding the limits.
Are dental surgeries covered by dental insurance plans?
Yes. Many health plans with dental insurance provide coverage for dental surgeries. However, do make sure to take a look at the terms and conditions of the policy to check which procedures are covered.
Is root canal covered in dental insurance?
Yes, root canal procedures are usually included in most health plans with dental insurance. It is ideal to check with your insurance provider before availing a plan to be sure of what is covered.
Does tooth extraction come under dental insurance?
Yes, tooth extraction is included as a part of a comprehensive health insurance plan. Nevertheless, it is advisable to check your policy details to understand the coverage in detail.
Is dental implant covered in insurance?
No, most health policies with dental insurance plans do not cover dental implant procedures. However, check with your insurance provider to get a clear idea of what the plan covers.
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