Dental Insurance in India: Dental health is as important as any other physical attribute of the physical health. Usually, you buy health insurance plans that cover dental health, but there might be a catch. Your health insurance plan might or might not cover dental-related hospitalization expenses. With rising dental insurance cost in India, it is important that you have a separate dental insurance plan. Before buying your dental insurance, you must understand what it is, how it works, and what are its benefits.
- Purchasing the Policy
- Choose a plan based on your dental needs and budget.
- Submit required documents (age proof, identity proof, medical history).
- Pay the premium to activate the policy.
- Waiting Period
- A mandatory waiting period applies after the purchase, typically:
- 3 to 6 months for basic treatments.
- Up to 1 year for major dental procedures.
- No claims can be made during this period.
- A mandatory waiting period applies after the purchase, typically:
- Claiming Insurance
- For cashless treatment: Visit network clinics or hospitals tied to the insurer.
- For reimbursement: Submit bills and supporting documents after treatment to the insurance company.
Key Features of Dental Insurance
- Upper Limit
- Most plans have an annual limit on coverage.
- This cap varies by provider and plan and should align with your anticipated dental care needs.
- Eligibility Criteria
- Available for individuals (ages 18–65) and families.
- Family policies may cover children under 18.
- Some plans may require a basic medical check-up.
What is Covered?
- Preventive Care
- Routine cleanings.
- Fluoride treatments.
- Diagnostic X-rays.
- Sealants for decay prevention.
- Basic Treatments
- Fillings for cavities.
- Tooth extractions.
- Root canal therapy.
- Major Procedures
- Crowns and bridges.
- Dentures.
- Oral surgeries (e.g., for impacted teeth).
What is Not Covered?
- Cosmetic Procedures
- Teeth whitening.
- Veneers or aesthetic modifications.
- Pre-existing Conditions
- Conditions diagnosed before policy purchase.
- Experimental Treatments
- Any procedure not widely accepted in dentistry.
Points to Remember
- Always review the policy document for inclusions, exclusions, and claim processes.
- Compare plans across insurers to ensure you get the best benefits for your premium.
- Regularly monitor your policy to ensure timely renewals and continuous coverage.
Would you like more details about specific insurance providers or guidance on choosing the right dental insurance plan?
