List of Health Insurances with Dental Cover in India

Dental health insurance is an essential component covering expensive care and procedures, which helps maintain oral care. Many insurance providers in India don’t include dental coverage as a part of a regular health insurance policy but it may be covered under outpatient department (OPD) with an additional premium. Getting dental insurance coverage is vital for the following reasons:

1. Financial Support: Dental procedures are expensive, and the cost will increase dramatically for complex treatments in metro cities. With dental insurance, the financial burden of the patient will be eased. 
2. Coverage for Regular Check-ups: Frequent dental check-ups are highly recommended for good oral health. When there is insurance coverage, one may be interested in visiting the dentist regularly because he/she knows that he/she doesn’t have to pay out of his/her pocket. 
3. Peace of Mind: With regular dental visits and adequate coverage, one can have peace of mind knowing that financial support is there when it is needed. This will prove to be useful in cases of dental injury.

It is advised to visit the dentist twice a year in order to keep track of one’s oral health and catch an affliction, if any, at an earlier stage. One should opt for health insurance with dental coverage to surpass the cost of one’s dental visits.  

Many ailments don’t require hospitalisation. The treatments for such illnesses are provided as outpatient care. The doctor fees, medication and loss of pay due to the illness will add up and they usually have to be paid out of pocket. The Start Health Insurance company, with the Star Outpatient Care Insurance Policy, provides insurance coverage for such illnesses. The coverage includes doctor fees, diagnostic tests, pharmacy bills, physiotherapy, non-allopathic treatments, dental treatment and other therapeutic procedures.

Star Health Insurance provides 3 types of Outpatient Care Insurance Policies:

1. Silver 
2. Gold
3. Platinum

All three plans have 1-year policy term with sum insured options of ₹ 25,000, ₹ 50,000, ₹ 75,000 and ₹ 1,00,000. One can get these insurance policies on an individual or floater basis. All the outpatient care insurance policies of star health insurance provide coverage for: 

1. Outpatient consultation expenses at any networked facility.
2. Non-allopathic treatments such as ayurveda, yoga, naturopathy, unani, siddha and homoeopathy systems of medicines in any recognised and accredited institute.
3. Physiotherapy, diagnostics and pharmacy expenses at any networked facility.
4. Dental procedures for natural teeth issues or due to dental accidents at any networked facility as an outpatient.
5. Ophthalmic treatment expenses for accidental injury at any networked facility as an outpatient.
6. Treatments for pre-existing diseases and exclusions are applicable based on the type of plan. 
7. The 30-day waiting period is applicable from the first commencement of the policy to claim for treatment expenses.
8. The exclusion will vary if the insured has continuous coverage for more than 12 months, and the waiting period will reduce based on prior coverage.
9. At the time of renewal, the insured can get a 25% discount on the premium after every block of two consecutive claim-free years.

To get this insurance policy, one must meet the following criteria:

1. Between 18 and 50 years of age.
2. Dependent children of age from 31 days to 25 years.
3. Dependent children coverage is available if any one of the parents is insured.
4. Family size can be up to 6 members.

For further details on the policy that covers insurance for dental treatment, one can click on the brochure link. 

The plan one chooses what is included and excluded in dental coverage in health insurance. However, in general, below mentioned are some inclusions and exclusions:

Things included

1. Preventive treatment 
2. Extractions 
3. Fillings 
4. Root canal treatment 
5. In case any dental procedures are needed because of an accident 
6. Oral check-up
7. X-rays 

Things excluded

1. Orthodontics 
2. Prosthesis 
3. Implants 
4. Jaw alignment 
5. Dentures 
6. Cosmetic treatment 

It is advisable to thoroughly review the policies and make an informed decision.

The claim process under Star Health Insurance is hassle-free and curated for the ease of the consumers. One can go through the following steps and easily carry out a cashless claim process:

1. Visit the nearest network hospital and go to the insurance desk. 
2. For the purpose of identification, show the Star Health ID. 
3. Further, submit the doctor’s consultation papers and pre-admission investigation papers.
4. The hospital will verify one’s identity. 
5. Then, the doctors will authorise all the documents submitted. 
6. After the discharge of the patient, the claim documents will be sent to the company, and the required amount will be settled. 

Dental insurance is not common in India. That is why one has to choose a good health insurance plan that also provides dental coverage for peace of mind. The rising inflation rates and treatment consumables can make a dent in one’s savings if he/she is in need of any dental procedure. Some of the advantages of dental health insurance are:

1. No need to pay out of pocket for tooth fillings, tooth extractions, root canals and other common dental procedures
2. One can claim for expenses incurred after a dental accident
3. With regular dental check-ups covered by insurance, one can maintain good dental health.
4. Tax benefits for health insurance plans extend to dental coverage as well.

As basic health insurance policies do not provide dental insurance coverage, you must choose a plan with dental coverage carefully. Getting coverage for outpatient procedures will provide financial support when dental issues arise. Also, such coverage provides protection in case of dental accidents. By paying an additional premium for dental cover, you can enjoy peace of mind and also extend tax benefits.

For further knowledge and insight regarding dental coverage and overall oral hygiene, refer to the HexaHealth platform and get consultations from the top doctors in the country. The platform provides you with guidance in insurance approval and other personal care assistance.