Dental Treatment Coverage Under Star Health Insurance Policies
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Maintaining good dental health will also help us enjoy good food and a good set of teeth will always help us smile. The expenses associated with dental treatments and dental insurance are often ignored by people which leads to out-of-pocket expenditures. According to WHO, in the year 2020, Indians spent 62.7 per cent of their total health spending as out-of-pocket expenses, which is why good dental coverage is key. Let’s read further to know the dental coverage provided in Star Health Insurance Company.
Dental Treatment Cover by Star Health Insurance
Star Outpatient Care Insurance Policy is designed to offer coverage, especially for OP consultations, non-allopathic treatment expenses, diagnostics, physiotherapy, dental, ophthalmic treatment expenses, pharmacy expenses, and more. Star Outpatient Care Insurance Policy offers three different plans with varied benefits: Silver Plan, Gold Plan, and Platinum Plan. The policyholder can also avail of the benefits of discounts on premiums up to 25% after 2 continuous claim-free years on this policy only with Star Health Insurance.
Generally, dental treatments are considered outpatient department treatments (OPD) in a hospital or clinic. Star Health offers dental treatment under two medical insurance plans.
- Star Outpatient Care Insurance Policy: The policy has been formed to cover outpatient consultations dental treatment, physiotherapy, diagnostics, and pharmacy expenses.
- Star Comprehensive Insurance Plan: Apart from the plan, this plan offers outpatient department treatments (OPD) expenses.
How Are Dental Treatments Connected With OPD?
OPD is defined as the Outpatient Department in a hospital and covers the expenses such as the insured’s visit to a doctor’s clinic for illness, the consultation fees, and many other services like getting an injection, dressing of the wound, etc, provided by a physician at the clinic or a diagnostic centre.
Similarly, it can cover expenses for medicines at the pharmacy, diagnostic tests like X-rays, Blood tests, etc, at the laboratory, and minor procedures for which you don’t have to get admitted to a hospital.
Reasons To Purchase Dental Health Insurance
With the Star Comprehensive insurance policy, the insured can avail of coverage for dental treatments under OPD expenses as per the policy clause. Here Are Few Reasons Why It’s Essential To Purchase Dental Health Insurance
1. Save On Dental Treatments With Health Insurance
Dental care could easily become a twice-a-year affair for teeth cleaning, or it could be thousands of rupees in oral surgery bills. Dental problems can start at the drop of a hat–whether you take extra care to floss every day, or not–so the best way to prevent your finances from suffering is to have a health insurance policy that provides coverage for your dentist visits.
2. Maintain Dental Health
The best way to prevent oneself from spending money on dental bills (besides getting dental health coverage), is to take necessary routine care of the mouth’s overall health. By doing regular teeth cleanings and check-ups one can ensure that their health is tracked by a professional.
3. Peace Of Mind
Besides its benefit of cost savings and good dental hygiene, dental health insurance gives you peace of mind as you keep your savings intact and know that your smile is protected. Your insurance will have your back If anything were to happen to your teeth. The benefits of dental health insurance are many in terms of saving your out-of-pocket expenses which cannot be ignored.
Conclusion
Dental treatments and coverage benefits depend on each product. When treatment is taken at a network facility, your health insurance covers dental treatments as per the limits mentioned in the policy clause. Root canal treatment is payable in the event of an accidental injury to a natural tooth/teeth, excluding dental implants.
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