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

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.