Most Indians do not recognize the need to include dental care within their health insurance policy. But with the increased expenditure of dental procedures, more people now find it wise to have a dental insurance plan to cover their oral health in an economical manner.
No matter how frequently you choose oral check-ups, adequate planning is the foundation for obtaining the most from your dental insurance policy. For that, it is important to understand the various kinds of dental insurance India, their benefits, exclusions/inclusions, eligibility, etc.
Types of Dental Insurance Policies in India
As for dental insurance India, it comes in the following types:
- Individual Dental Insurance
Individual dental insurance is designed to cover a wide array of dental expenses,such as emergency dental treatment and surgery. It offers a mix of personalized dental care according to an individual’s requirements.
- Critical Illness Plans
These plans are intended to coverall types of dental surgeries that might be needed as part of the treatments for critical illness.
- Family Floater Plans
Family floater plans entail dental procedures for more than one member of a family as long as dental treatment is part of the package.
- Outpatient Health Plans
Outpatient health plans encompass dental consultations, diagnostic tests, and medication. This makes outpatient health plan coverage more affordable for patients undergoing non-hospitalized dental care.
- Personal Accident Plans
It will cover any dental cost incurred due to injuries that resulted from an accident. The insurance policy aids in reducing costly dental charges, thus making it an affordable option for all.
Advantages of Dental Insurance Plans
Dental insurance policies offer various advantages that ensure dental services become easy and affordable.Below are the majorbenefits of having dental insurance:
- Comprehensive Coverage for Dental Treatments
Dental insurance covers a complete spectrum, from simple cleaning and filling to more complicated procedures such as root canals and crowns. This minimizes the financial burden of necessary treatments and helps manage your oral health without breaking the bank.
- Free Consultations
Most dental insurance schemes provide free consultation with the dentists covered under the scheme. The insured receives free check-ups that allow them to detect dental problems and potential complications at an early stage that could result in costlier treatments later on.
- Free Preventive Dental Care
Preventive dental care is necessary to maintain oral health and avoid dental issues. Preventive services like cleanings, X-rays, and fluoride treatments are covered by most dental insurance policies at no extra cost to the policyholder. Besides dental insurance, medical insurance for family is also a good idea to provide overall healthcare coverage for all family members. This extended coverage caters to different medical requirements other than dental care, providing a strong safety net for your family’s overall well-being.
- Cashless Treatment
Most insurance companies have tie-ups with network hospitals for cashless treatment. If you avail dental treatment at any of these medical facilities, the treatment cost will be paid directly by the insurance company to the hospital.
- Tax Benefits
Section 80D of the Income Tax Act allows a deduction of ₹25,000 for premiums paid under dental insurance, thereby reducing your financial outlay. This amount increases to ₹50,000 per financial year for senior citizen health insurance. This is one of the special tax benefits available only for elderly people, further making overall health coverage, including dental, financially more attractive to them.
- Coverage for Costly Dental Procedures
Dental insurance India can also cover costly dental procedures such as major dental surgery due to illness, serious health condition, or injury. One can purchase these dental insurance policies as an independent policy or under a comprehensive health policy.
Inclusions in Dental Insurance Plans
The majority of dental health insurance policies cover the following dental treatments:
- Outpatient treatment
- Emergency treatment or surgery for injury to teeth and gums
- Outpatient diagnostics
- Root canal treatment
Exclusions in Dental Insurance Policies
Following are the dental treatmentsthat are excluded from major health insurance policies in India:
- Dental implant surgery
- Dentures
- Cosmetic surgery
- Intentional harm or self-inflicted injuries
- Jaw alignment
- Dental prosthetics
- Orthodontic procedures
Eligibility Parameters to Avail Dental Insurance Plans
Let us look at the eligibility parameters one needs to meet before availing a dental insurance plan:
- For a single dental insurance policy, the age limit is typically between 18 and 65 years.
- A child can be covered under a family policy from 90 days old.
Note – The age criteria will also vary with insurers and the kind of policy one selects.
The ideal dental insurance India will always safeguard your dental health while keeping out-of-pocket costs low. For example, the Super Star policy from Star Health provides dental treatment and full health coverage at a minimum of ₹13/day.
Call us now and have your dental and healthcare requirements covered under a single policy!
Disclaimer:
CBD:
Qrius does not provide medical advice.
The Narcotic Drugs and Psychotropic Substances Act, 1985 (NDPS Act) outlaws the recreational use of cannabis products in India. CBD oil, manufactured under a license issued by the Drugs and Cosmetics Act, 1940, can be legally used in India for medicinal purposes only with a prescription, subject to specific conditions. Kindly refer to the legalities here.
The information on this website is for informational purposes only and is not a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or another qualified health provider with any questions regarding a medical condition or treatment. Never disregard professional medical advice or delay seeking it because of something you have read on this website.
Gambling:
As per the Public Gambling Act of 1867, all Indian states, except Goa, Daman, and Sikkim, prohibit gambling. Land-based casinos are legalized in Goa and Daman under the Goa, Daman and Diu Public Gambling Act 1976. In Sikkim, land-based casinos, online gambling, and e-gaming (games of chance) are legalized under the Sikkim Online Gaming (Regulation) Rules 2009. Only some Indian states have legalized online/regular lotteries, subject to state laws. Refer to the legalities here. Horse racing and betting on horse racing, including online betting, is permitted only in licensed premises in select states. Refer to the 1996 Supreme Court judgment for more information.
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