Dental Insurance in India

What is Covered under Dental Insurance?

Depending on the dental insurance policy, the cover that will be provided will vary. Given below are some of the standard procedures that are covered under a dental insurance policy:

1. Preventive treatment
2. Extractions

1. Fillings
2. Root canal treatment
3. In case any dental procedures are needed because of an accident
4. Oral check-up
5. X-rays

It is important that you check the policy wordings to know what is covered under the dental insurance plan.

What is Not Covered under Dental Insurance?

Some of the exclusions under a dental insurance plan are mentioned below:

1. Orthodontics
2. Prothesis

1. Implants
2. Jaw alignment
3. Dentures
4. Cosmetic treatments

It is important that you check the policy wordings to know what is not covered under the dental insurance plan. 

Eligibility Criteria

The eligibility criteria that must be met in order to avail a dental insurance policy are mentioned below: 

1. In the case of an individual dental insurance policy, the age criteria will vary between 18 years and 65 years.
2. In case children are included in a family policy, the entry age criteria will be 90 days.

The eligibility criteria will vary from insurer to insurer. You can check with the insurance company to check the actual eligibility criteria that must be met.

Documents Required

The documents that must be submitted when you raise a claim are mentioned below:

1. In the case of an offline process, the claims form must be submitted.
2. Proof of identity such as Aadhaar Card.

1. Policy Card.
2. Clinic/ Hospital bill.
3. The dental insurance policy that is active.

How to Buy Dental Insurance Policy in India?

1. Most insurance companies provide you with the option to purchase a dental insurance policy. You can visit the official website of the insurance company and provide the necessary details to purchase a dental insurance policy.  
2. In case you are purchasing the policy online, the payment can be made via mobile wallet, UPI, credit card, debit card, or net banking. Certain insurers may provide discounts in case you purchase the policy online.  
3. You can also visit the nearest branch of the insurance company to buy a dental insurance policy. It is important that you compare various dental insurance plans and check the features and benefits before opting for one. 

How to Raise a Claim for Dental Insurance?

The different ways by which you can raise a claim are mentioned below: 

1. Contacting the insurance company’s customer care. 
2. Sending an email to the insurance company. 

The different ways by which companies handle dental insurance claims are mentioned below: 

1. Reimbursement Claims: Under such claims, you must pay the bill initially and the insurance company will provide reimbursement. Details of the claim will be verified by the insurance company before the amount is reimbursed. 

1. Cashless Claims: Under such claims, the insurance company will pay the dental clinic/ hospital the bill directly. However, you will need to pay for procedures that are not covered under the policy. 

Importance of Dental Insurance

You can purchase a dental insurance policy for the below-mentioned reasons: 

1. Expenses are covered in case dental insurance is not part of the regular health insurance policy. This can help you save money in the long run. 
2. Add-on covers are provided at a nominal fee. Opting for add-on covers can help you save money in case a claim is made. 
3. In case you opt for a dental insurance policy, financial cover is provided in the case of any expenses due to dental care. This will encourage you to visit the dentist regularly and not only at the time of an emergency. 

Benefits of Dental Insurance

The main benefits of purchasing a dental insurance policy are mentioned below: 

1. Tax Benefits are Offered: Under Section 80D of the Income Tax Act, you can save up to Rs.25,000 in a year on health insurance. This is apart from any expenses that have been incurred due to dental treatments. 
2. Cashless Treatment: Most insurance companies have a large number of network hospitals under them. In case dental treatment is done at one of the network hospitals, the insurance company will pay the bill directly to the hospital. 
3. Dental Health can be Maintained: Opting for a dental insurance plan will ensure that you visit the dentist regularly. In the case of any dental treatment, financial cover will be provided as well. 
4. Expensive Dental Procedures are Covered: Since several dental procedures are expensive, having a dental insurance plan will ensure that your savings are not affected. Many insurance companies offer policies that come with in-patient treatments as well as OPD.