Dental Insurance – Cover and Benefits in Indi
For every disease or medical condition you probably know about, there is health coverage. But did you know that there exists a health insurance plan for your teeth also? Yes, you read it right! Most the Insurance companies provide dental coverage along with health insurance plans that can help you improve your gum disease, misalignment of teeth, tooth decay, and other oral health problems.
But what does dental insurance mean, and more importantly, how it helps you to get better dental health? Well, this article has everything that you want to know about dental health insurance plans in India.
HOW DOES DENTAL HEALTH INSURANCE WORK?
It may not only help in reducing the risk of dental problems, but it can also be helpful in reducing financial stress. But how does this plan work? If you purchase a health insurance policy and add dental insurance to your scheme, then at the point of issue of such a policy, you agree to pay an additional premium above and beyond your basic health policy to the provider.
However, in some cases, insurance companies offer built-in coverage for dental treatments with their health insurance plans, wherein they would cover certain specific categories of dental treatments. These plans usually have a waiting period, so you cannot claim dental coverage until the waiting period is over.
Now, the hospitals have advanced to the best and complete setup of specialization in dental treatment. Some networking hospitals may have this facility under whose guidance the insurer has agreed on claim settlement.
But what if the policyholder does not have a network hospital to treat his dental problems? They have to go to a non-networking hospital for dental treatment and, in turn, will get reimbursement for the cost of treatment from the insurer. You can receive claim amounts for specific treatment procedures as often as possible, depending on the type of your dental health plan and the sum insured.
Generally, the insured is entitled to receive preventive dental treatment during the term of insurance validity.
Eligibility Criteria of Dental Insurance Plans
However, some specific schemes include dental insurance within the ambit of health policy. However the criteria for eligibility depend upon the type of policy and the insurance provider you want to purchase the plan from. Read some specifications below about the requirements of eligibility for buying a dental plan:-
Specifications of Eligibility Criteria
Ageminimum-maximum18-65 years in individual policies. Now, if there is a family floater health plan, it can cover your child aged 90 days and above for dental health.
Waiting Period As mentioned above, various insurance plans will have different waiting periods; most health plans that cover dental come with a 1-3 year. If you have not been diagnosed with pre-existing dental problems, some companies apply a waiting period of just one month.
Sum Insured Limit The average limit of a dental policy ranges between Rs. 25,000 to 1 lakh. But the amount of sum insured depends on your insurer.
The amount of Coverage Under a dental insurance scheme with a sum insured value of Rs 15 lakh or over and above, expenses incurred in consulting concerning diseases of teeth and gums are also covered. Besides, it covers up to 6 days pre-hospitalization and 180 days post-hospitalization.
Benefits of Dental Health Insurance in India
Dental issues cannot be slighted and made a cheap treatment. It has to be adequately consulted and checked upon by a professional. A dental insurance policy can contribute to your oral health in many senses. Read below the benefits of dental insurance: –
It gives the policyholder unlimited free dental consultations till the term of your policy.
Provision of coverage for unlimited digital X-ray and OPG facility for its policyholder.
For example, A policyholder can get discounts for free tooth scaling or multiple times claims.
The insurance policies for dental also have teeth whitening facilities, amalgam, and composite tooth filling.
With teeth insurance, the assured benefits are available confidentially during tooth bracing and teeth implantation. Also, dental insurance will help you go through regular dental checkup procedures. It also covers the cost of tooth removal for the policyholder.
Even minor surgical/story operations, like biopsy of tooth tissues and drainage of minor oral infections, are included. Management of mild infections and lesions. Any repairs required by existing dentures and bridges are also included in a dental insurance policy if needed.
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