Does Health Insurance cover Dental Treatment?
With the increasing penetration of health insurance, health insurance companies have begun introducing more comprehensive coverage. However, in the case of dental insurance, most companies do not offer dental coverage as a standalone policy but can be purchased as an additional cover or an optional rider.
In this article we will talk about the following:
- What does dental insurance cover?
- Importance of dental insurance coverage
- Companies offering dental insurance coverage
- Inclusions and exclusions under dental coverage
What does Dental Health Insurance cover?
In simple terms, in dental cover, any dental treatment related to illnesses, accidents, or injuries will be covered under the plan. To cover the cost of these treatments it is always advisable to buy a dental cover keeping in mind the cost of medical inflation.
Importance of Dental Insurance
1.) Protect your finances
Nowadays dental treatment is expensive due to inflation, innovation, usage of high-tech set-ups, etc. Hence to avoid having to spend your hard-earned money on these expensive treatments it is always safer to buy a dental cover along with a standard health plan.
2.) Routine dental check-ups
Many health insurance companies provide the policyholder free dental health check-ups to take necessary care of the individual’s oral hygiene.
3.) Free consultations
The policyholders will receive a number of free consultations under the cover depending on the policy scope.
4.) Teeth whitening
Some health insurance companies also provide compensation for teeth whitening treatments or procedures.
5.) Tax benefit
Avail of tax benefits on your health insurance premiums under Section 80D of the Income Tax Act.
Companies offering Dental Insurance coverage
Following are the health insurance companies that offer dental coverage
Care Health Insurance
Care Plus Plan
TATA AIG Medicare Premier Plan
Digit Health Insurance
Digit Care Plus Plan
Future Generali Health Insurance
Future Total Health Plan
Chola Ms Health Insurance
Chola Ms Privilege Healthline Plan
Kotak Mahindra Health Insurance
Health Premier Plan
ManipalCigna Health Insurance
Oriental Mediclaim Policy
Reliance Health Insurance
Digital Care Management Policy
SBI Health Insurance
SBI Arogya Plus Plan
Star Health Insurance
Star Comprehensive Plan
Aditya Birla Health Insurance
Activ Health Platinum Plan
Activ Health Enhanced Plan
Raheja Health Insurance
QUBE Health Insurance Plan
IFFCO Tokio Health Insurance
Individual Medishiled Plan
Edelweiss Health Insurance
Inclusions and exclusions under dental coverage
Following below are some of the general inclusions and exclusions under dental health cover in India. It is always advisable to thoroughly check the scope and terms of the policy before opting for one.
Root canal treatments
Jaw alignment /correction
Treatment of gum illnesses
Decayed tooth treatments
Placement of dentures
Filling of cavity
Accidental damage or injury to tooth/teeth