Getting Dental Insurance In India

Taking care of your teeth is a part of taking care of yourself and ensuring your general well-being. However, dental care is often viewed as a separate endeavor. Dentistry is not a specialization offered as a part of overall healthcare. Dental treatments require you to visit dentists, who specialize in taking care of your teeth and oral health alone. Dental doctors are required to train differently than general physicians. Hence, it is fairly evident that dental health requires special care, and for the most part, does not get directly included in your overall healthcare. But how is dental care viewed when it comes to insurance? Do you need to buy separate dental insurance, or will your regular health plans suffice? Before you can find the answer to that question, you need to figure out whether separate dental insurance plans are available or not.

Dental Health Cover

Dental health insurance would be a cover offered to help you financially protect your oral health as a part of ensuring comprehensive well-being. So, do you buy separate dental insurance Coverage, or do you get it as a part of your overall health insurance coverage? The ground reality in India is that there are no separate dental insurance plans available. Then how do you start to protect your dental health? If you are keen on getting financial protection for your oral health, you can opt for a health insurance plan that covers dental treatments. Take note that all health insurance covers are different in design and their features, as well as what they have to offer may differ slightly from one another. Thus, not all health insurance plans may include dental treatment. If you wish for your individual or family health insurance plan to cover dental expenses, you should look for those features within a plan before you decide to make a purchase. But what do health insurance policies offer when it comes to dental health? Most of these plans offer coverage for any dental treatments that may be recommended by doctors as a consequence of an accident or illness. Dental procedures that are done as a result of accidental bodily injury, requiring hospitalization, are covered. Some plans may also cover dental treatments required as a result of cancer or other serious illnesses. This may include treatments recommended and done by dental practitioners, such as examinations, extractions, and more. Most of these plans do not offer coverage for dental treatments such as cosmetic surgery, dental implants, orthodontics, dentures, and other such procedures. It is ideal to take the time to understand what is included and what is not when it comes to dental treatment coverage within your individual or family health insurance, as one plan may differ slightly from another. Dental treatment inclusions in your health insurance policy may slightly affect your premium amount. Whether or not it does, it is advisable to use a health insurance premium calculator to get premium estimates. This helps you get a better idea of whether you can afford the plan. Your health insurance premiums should be planned into your overall financial plan. * Standard T&C Apply

Why should you get dental health coverage in your health plan?

Many people tend to put their dental health lower on the priority list. However, that can hurt your overall health. Having dental health coverage in your health insurance plan can alleviate some stress about health costs off your mind. You can also opt for an OPD cover with your health insurance policy. You may be required to pay an additional part within your overall premium to get such coverage. Most importantly, dental coverage within your health plan boosts your insurance policy and makes your health coverage more comprehensive, thus possibly offering you peace of mind. To sum it up, dental health insurance plans are not offered as standalone insurance plans in the country. However, there are a handful of comprehensive health insurance policies that could offer you in-built dental coverage that you may be able to opt for. It may not cover all dental treatments, only those that are required as a result of an illness or an accident.   *Standard T&C Apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.