Does Any Health Insurance Policy in India Cover the Cost of Dental Treatment?

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With nearly of the Indian population suffering from dental problems, having dental treatment coverage under health insurance can be a major relief.


In fact, despite having health insurance plans, most policyholders often pay expensive medical bills for sudden toothaches and advanced dental procedures. This is why the common question among policyholders is: “Does health insurance cover dental treatment?”


Well, the short answer is ‘yes’ but with conditions. Since a dental treatment is not typically a part of the standalone product, it is an add-on or rider to health insurance policies. To learn more about dental treatment coverage, continue reading.


What Types of Health Insurance Plans Offer Dental Treatment?



  • Individual Health Insurance: Under an individual plan, you can get coverage for dental expenses, which include emergency dental procedures and routine surgeries.



  • Family Floater Plan: This health insurance plan offers dental treatment facilities for the entire family. Although it comes with specific clauses or is an optional feature.



  • Critical Illness Plan: With this insurance policy, an individual can get coverage for dental surgeries if they are linked to treating a serious, life-threatening illness.



  • Outpatient Health Plan: In most cases, dental treatments are specially designed for outpatient medical care. Here, the policyholder gets coverage for diagnostic tests, dental OPD consultations, and medicines.



  • Personal Accident Plan: For dental injury or damage resulting from an accident, this insurance policy offers coverage.


What are the Benefits of Getting Dental Insurance Coverage in India?



  1. Cost Management


This insurance coverage will be your ideal assistance in reducing out-of-pocket expenses for dental treatment. For instance, it covers the cost of an OPD dental treatment, as well as inpatient hospitalisation.



  1. Preventative Care


With dental insurance coverage, you can receive dental examinations at the time of preventative check-ups. This is ideal for detecting any oral issues at the initial stage.



  1. Cashless Facilities


If your health insurance offers dental treatment facilities, then it will automatically make you eligible for cashless facilities at network hospitals. However, the number of network hospitals might vary across different providers.



  1. Coverage for Consumables


During dental treatment, additional expenses of consumables, such as syringes or gloves, can increase the overall bill. But dental insurance covers the costs of consumables used at the time of hospitalisation for treatment or surgeries resulting from accidents, illnesses, or injuries.



  1. Tax Benefit


Your health insurance premiums are subject to annual deduction under Section 80D of the Income Tax Act. Therefore, even if you get dental coverage as an add-on facility, there are high chances of savings.


Key Coverage Inclusions Under a Dental Insurance Plan


Here is a common list of inclusions in a dental insurance coverage:



  • X-rays



  • Tooth fillings and extractions



  • Dental injury from accidents



  • Preventive dental check-ups


Conclusion


If dental care is your priority, you should definitely choose a health plan with dental coverage. This way, you can reduce treatment costs and ensure quality care. Since it is mostly available as an add-on cover, always check if your insurer offers this benefit.