Maintaining good oral health keeps your confident smile intact, allowing you to enjoy your favourite food. Unfortunately, in India, dental health is not much cared about, leading to hefty dental treatment bills during surgeries or other orthodontic issues.
Thus, it is essential to buy dental insurance policies to ensure proper orthodontic care. So, if you want to avoid such out-of-pocket expenses, explore the best dental insurance policies below!
Top Health Insurance Plans that Cover Your Dental Insurance Needs
Here are some of the best dental insurance plans covered under the health insurance policies:
Critical Illness Plans
It is a standalone plan that covers the expenses incurred in the treatment of critical illnesses. Dental surgeries that are considered critical medical conditions can be covered under this health insurance plan.
Individual Dental Insurance
This insurance policy is customized to cover the dental needs of an individual. It covers dental expenses incurred in routine dental surgeries or emergency procedures.
Outpatient Health Plans
Outpatient medical expenses for medicines, OPD consultations for dental issues, and diagnostic tests of the policyholder are covered under this plan.
Personal Accident Plans
If the policyholder gets dental injuries due to an accident, the expenses incurred in dental treatments are covered by the personal accident plans.
Family Floater Plans
Family Floater Plans Some family floater plans include a policy clause to cover the entire family’s dental expenses. Additionally, considering a 2-lakh health insurance plan can also provide comprehensive coverage for all members, ensuring that everyone’s needs are met.
What is the Relation Between OPD and Dental Treatments?
Every hospital has an Outpatient Department or OPD that covers policyholders’ medical expenses as per their health insurance policy. This includes the doctor’s consultation fees, dressing of wounds, getting injections, etc.
If the policyholder needs any dental treatment, such as surgeries or diagnostic tests, included in the policy clauses, the OPD will cover them as well. However, policyholders need to get those dental treatments done from the OPD or doctor’s clinic.
Things to Consider While Choosing Dental Insurance Plans
Buying the best dental insurance policies includes some crucial considerations. Here are some of them:
Know and Compare the Plans
There are several types of health insurance plans in India that cover dental insurance as well. Dental coverage may be included in the basic individual health insurance plan or add-on covers. To avail of dental coverage, policyholders need to pay an additional premium.
Apart from individual health insurance plans, there are other policies, like OPD health insurance plans, critical illness insurance, etc., that offer dental insurance. It is necessary to compare the benefits and coverage of each plan and select the one that covers your specific dental requirements.
Opt for Group Insurance Coverage
In most cases, group coverage programs like employee insurance policies cover dental issues under health insurance policies. Group health insurance plans are cost-efficient compared to individual health insurance policies and also offer better coverage.
Check Your Budget
The expenses for dental treatment or checkup are not the same for everyone. Thus, the dental insurance requirements also vary from one person to another. For instance, the dental insurance needs of an adult with zero oral disease history and normal dental health are different from a family of two kids and two parents. Families should always consider buying a comprehensive dental insurance policy for complete coverage of all members.
Benefits of Purchasing Dental Insurance Policy
Listed below are the advantages of buying the best dental insurance plan in India:
Cashless Treatment
Policyholders can get cashless dental treatment options upon getting their treatment done from the network hospitals. You can visit them for emergency as well as planned dental treatment needs.
Preventive Health Checkups
Dental insurance policies also cover preventive health checkups to detect any minor or severe oral issues at their initial stage.
Complete Dental Treatment Coverage
Buying a dental insurance policy helps save your out-of-pocket expenses by covering all sorts of dental treatment expenses. From hospitalization costs to surgery to OPD consultations for dental issues, everything is covered under the best dental insurance plan.
Tax Benefits
Policyholders can claim annual health insurance premium deductions under Section 80D of the Income Tax Act. Thus, investing in dental insurance can help you save money in terms of tax benefits.
Selecting the right dental insurance plan according to your specific orthodontic requirements is necessary. Though dental insurance policies are not yet quite common in India, reputed insurers like Star Health offer dental insurance coverage under their health insurance plans. You can buy our specific health insurance policies to avail the best dental insurance in India.
For further information, call us on 1800 425 2255!
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