Top 5 Dental Insurance Plans in India: Their Features

Dental problems are common and can be financially draining. These problems are not covered under most health insurance plans but can be a part of OPD with an increase in the premium. Including dental in your health insurance or purchasing dental insurance is important as dental problems can be painful both physically and financially. Securing yourself with dental insurance will provide a beneficiary with the coverage mentioned in their policy.[1]

Top 5 Dental Insurance Plans

A few plans that include dental problems are as follows:-

1. ABHI Karo Activ Health

This plan from Aditya Birla Health Insurance offers dental consultations and investigations to policyholders with a sum insured of 15 lakhs and above. Any insured person with a platinum-enhanced plan gets dental as an additional benefit. It is a family floater-based policy where the legal spouse, children, and dependent parents can also be covered. [2]

2. Bajaj Allianz Health Care Supreme

Health Care Supreme offers dental treatment like root canals, extractions, etc. as an Out-Patient Expense. Wherein the treatments can cause a higher premium as an extra expense in the policy. If your sum insured is anywhere between 5 lakh to 3 crores, you can avail 5% of your sum insured or a maximum of INR 1 lakh for dental. You can buy this policy as a family floater or individual plan.[3]

3. Care Plus Health Insurance Plan

This Care Plus Health Insurance plan also offers dental care as an Outpatient expense. Not many companies offer oral care as part of health insurance which makes these plans more inclusive. It is a family floater plan that helps you and your legal family. The total sum insured offered under these plans is from 5 lakh to 25 lakh.[4]

4. Chola MS Healthline Plan

This Chola MS Healthline plan is yet another plan that includes dental as its Outpatient expense. Many plans do not offer dental care in their plans as it is considered a cosmetic treatment. The total sum insured offered within the plan is from 5 lakh to 25 lakh. [5] However, these plans offering dental care are rare, and purchasing them should be a priority as these problems may seem minor but can cause quite a drain on one’s pocket.

5. Future Generali Health Total

Your dental consultations and diagnostics of up to 70% are covered under this plan. The total value of the sum insured starts from rupees 15 lakh to 1 crore. This Future Generali health total plan too is a family floater plan helping the policyholders financially in their time of need.[6]

Exclusions in Dental Insurance Plans

A few common exclusions in dental insurance are listed below. [1]

• Cosmetic surgical interventions
• Surgery for the upper or lower jaw bones
• Orthodontic treatments
• Dental prosthetics
• Jaw alignment procedures
• Denture placements

Conclusion

Having dental insurance takes away any financial burden and helps you relieve the burden in hard times. Prioritizing your oral well-being is of utmost importance and being relieved of financial burden eases you from any surrounding mental discomfort and stress.

Reference

[1] https://www.insurancedekho.com/health-insurance/articles/best-dental-insurance-plans-you-can-buy-online-in-india-405

[2] https://www.adityabirlacapital.com/healthinsurance/assets/pdf/activ-health-platinum-enhanced.pdf

[3] https://www.bajajallianz.com/download-documents/health-insurance/health-care-supreme/hcs-customer-brochure.pdf

[4] https://www.careinsurance.com/product/care-plus-the-complete-health-insurance-plan

[5] https://www.cholainsurance.com/documents/20121/97931/Chola+Healthline.pdf/642e2f52-ea5c-d921-570c-bf2933645123?t=1628183359928

[6] https://general.futuregenerali.in/buyonline/health-total