Dental Insurance Plans: What\'s Covered, What\'s Not
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In the present times, due to an increased exposure to food items such as cakes, chocolates, shakes and pastries, problems related to oral healthcare has become quite a common scenario. Moreover, expenses related to the treatment for dental and oral healthcare is pretty expensive be it for treating gum disease, root canal or any other related treatments. In order to protect yourself financially from these rising expenses, you need to buy a dental insurance plan. Let us understand more about dental insurance plans in India.
What is a Dental Insurance Policy?
It is a type of health insurance policy that is designed specifically to offer coverage against dental healthcare. A policy buyer can avail for dental healthcare in India in the following ways:
- Stand Alone Dental Insurance
- Dental Insurance cover as a part of Health Insurance Plan
However, not many options are there to choose from when we talk about stand-alone dental insurance plans in India. There are various health insurance plans that include dental healthcare coverage.
How does Dental Insurance work?
Coverage for dental insurance includes regular dental check-ups, preventive care treatments, basic oral healthcare treatments, major oral healthcare treatments etc. Compensation under health insurance plans with dental cover will be done as per the type of coverage selected.
What is Covered under a Dental Insurance Plan?
Coverage offered under a dental insurance plan varies as per the plan chosen and the respective insurance company just as it is for any other health insurance plan. In order to get complete information on the coverage offered, make sure to go through the plan document carefully before buying a plan. However, usually, the following benefits are covered under a dental insurance plan:
- Tooth Extractions
- Regular oral checkups
- X-Rays
- Cavity Fillings
- Root Canal Procedures
- Dental Surgeries
- Dental Implants
- Gum Diseases Treatment
- Oral Cyst and Infections
- Dental injury because of an accident
- Follow-up Treatment and Care
What is generally not Covered under a Dental Insurance Plan?
Most dental insurance plans offer coverage for basic dental and preventive work, there are certain procedures that are not covered under many dental insurance plans. Some of the common exclusions in dental insurance plans include the following:
- Expenses arising from Cosmetic Treatments
- Dental Implants
- Jaw Alignment
- Dentures
- Dental Care associated with a Pre-existing medical condition
- Orthodontic Treatments (Braces)
Note: Dental insurance coverage differs as per the plan selected, so make sure to go through the entire coverage limits to know what is covered and what isn’t under your respective insurance plans.
Things to Remember about Dental Insurance
You should remember the following tips before choosing an insurance company for your dental insurance:
- Make a thorough comparison of costs and benefits associated, then choose the plan wisely.
- Go through the lists of dentists covered under the network hospitals of the insurer.
- Carefully go through the policy documents to fully understand the coverage and limitations.
- Choose an insurance company that offers coverage for major dental procedures in a health insurance plan.
Final Words
While buying dental insurance make sure to go through the policy document carefully to know in advance what you will be responsible for paying personally from your pocket, what is covered and what is not covered under the plan and what will be your deductible limit.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
