Dental insurance plans are like shields against high dental costs, covering procedures like fillings, root canals, and more. As dental treatments can be pricey, these plans help manage expenses. In this guide, we’ll simplify the best dental insurance options based on features, benefits, and costs.
This way, you can easily pick a plan that suits your needs and budget, ensuring your oral health is well-protected without breaking the bank. Let’s explore these plans in a straightforward manner.
Best Dental Insurance Plans in India 2023
Aditya Birla Activ Health Platinum Enhanced Insurance Plan
This plan provides coverage from Rs. 2 Lakh to Rs. 2 Crore. It includes 60 days pre-hospitalization and 180 days post-hospitalisation coverage.
Dental consultations are available for sum insured ₹15 lakh or more. Coverage extends to obesity treatment, psychiatric hospitalisation, and select modern treatments up to the sum insured.
Care Plus Health Insurance Plan
Care Plus Health Insurance covers outpatient dental treatments under OPD coverage. For sum insured of Rs 5 lakh & Rs 7 lakh, the coverage is up to Rs 1500, and for Rs 10 lakh & Rs 25 lakh, it increases to Rs 2500.
Star Comprehensive Insurance Policy
The Star Comprehensive Insurance policy covers regular doctor consultations and standard dental procedures, protecting your savings from high expenses.
It includes coverage for outpatient dental expenses up to a specified limit and covers procedures like bariatric surgery and selected modern treatments.
ICICI Lombard Health AdvantEdge Plus Plan
ICICI Lombard Health AdvantEdge Plus Plan is a health insurance policy that covers dental treatment costs along with medical emergencies like accidents, critical illnesses, and surgeries.
It provides coverage for outpatient treatments, including dental procedures and investigations, with a maximum sum insured of ₹3 Lakh for both individual and family floater plans.
Future Generali Health Total Plan
Future Generali Health Total Plan provides coverage for outpatient dental consultations and diagnostics under its Superior and Premiere variants.
The Superior plan offers dental coverage of Rs 3000 for individuals and Rs 10,000 for floater options. The Premiere plan increases dental expense coverage to Rs 10,000 for individuals and Rs 20,000 for floater options.
Benefits of Dental Insurance Plans in India
- Financial Aid: Dental insurance plans offer financial assistance for expensive dental and outpatient procedures, reducing your financial burden.
- Regular Check-ups: These plans cover the costs of regular dentist visits, encouraging preventive care to avoid major dental issues in the future.
- Access to Consultations: Dental insurance provides access to consultations whenever needed.
- Diagnostic Procedures: Coverage includes dental x-rays, root canal treatments, and associated pharmacy charges.
- Oral Care Procedures: Dental insurance covers teeth scaling and straightening procedures.
- Orthodontic Coverage: It may also cover the costs of braces or dental implants, depending on the policy.
Common Exclusions in Dental Health Insurance:
- Cosmetic Surgery: Dental insurance typically excludes coverage for cosmetic dental procedures.
- Jaw Bone Surgery: Upper or lower jaw bone surgeries are commonly excluded.
- Orthodontics: Procedures related to orthodontics, like teeth alignment, may not be covered.
- Dental Prosthetics: Insurance might not cover expenses related to dental prosthetics.
- Jaw Alignment: Treatment for jaw alignment issues may be excluded.
- Dentures: The cost of dentures might not be covered under certain policies.
Conclusion
In the face of rising dental care costs, having a suitable dental insurance policy is crucial. It not only safeguards your finances but also ensures that you can access necessary dental treatments without undue stress.
By understanding the coverage, exclusions, and benefits of dental insurance plans, you can make an informed decision to maintain your oral health without compromising your budget.
