How much does dental insurance cost?

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In India, the cost of dental insurance depends on some factors, such as your age, the type of plan you have, the level of coverage, your geographical location, and so on. However, the basic dental insurance starts somewhere from Rs. 400 to Rs. 800 when included as an add-on or rider.


Dental insurance plans provide coverage for dental checkups, cleanings, X-rays, fillings, and basic tooth extractions.


What is dental insurance?


Dental health insurance is a base cover or an add-on offered under a health insurance plan that provides coverage for dental treatment costs and other related medical procedures, like OPD consultations and dental surgeries.


Dental Insurance Cost in India


























Type of Dental Insurance Coverage



Cost / Premium Range



Dental Insurance as an Add‑on / Rider (Monthly)



₹400 – ₹800 per month



Dental Insurance as an Add‑on / Rider (Annual)



₹2,000 – ₹8,000 per year



Basic Dental Coverage (Preventive Care Only)



₹2,000 – ₹5,000 annually



Comprehensive Dental Coverage (Including RCT & Surgeries)



₹6,000 – ₹15,000 annually



Why Do I Need Dental Health Insurance?



  • To manage dental treatment costs

  • To get preventive care services (like routine check-ups, cleanings)

  • Coverage for Pre-Existing Dental Conditions

  • Extensive Coverage for the entire Family


Which Health Insurance Plans Provide Dental Insurance?


The types of plans that offer dental insurance coverage in India are:



  1. Individual health insurance plans:These may include dental coverage as part of the base plan or provide it as an optional add-on for an extra premium.

  2. Family floater plans:Family health insurance plans provide dental coverage for the entire family, if it is included in the policy clause.

  3. Critical illness plans:These standalone plans may cover dental surgeries, as the medical expenses incurred on the critical illness procedure and treatment are covered.

  4. Personal accident plans: Occasionally, a personal accident plan includes dental costs arising from an accident or injury.


What Is Usually Included?


Most insurance companies include the following in a dental insurance plan:



  • Teeth cleaning

  • Regular check-ups,

  • Root canals Treatments

  • Fillings and extractions

  • Dental injury due to accidents

  • X-rays

  • Preventive health check-ups

  • Oral check-ups


What to consider when buying a dental insurance plan?


The things you need to consider while buying a dental insurance plan are:



  • Pay attention to the extent of coverage the plan offers for a wide range of dental procedures and treatments.

  • Identify the dental insurance plans that better meet your requirements.

  • Examine the policy document to verify what is included and what is excluded. Check the list of network hospitals that are available in your city.


What are the Documents required for dental claim settlement?



  • A dental insurance policy that is active.

  • Policy card

  • Hospital bills

  • Claims form

  • ID card (such as Aadhar card or PAN card)


In Summary


Dental insurance plans provide financial protection for dental procedures. It pays for the costs of dental treatments and other related procedures, such as surgeries and OPD consultations.