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List of Health Insurances with Dental Cover in India

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Medically Reviewed by Dr. Aman Priya Khanna
Written by Rajath R Prabhu, last updated on 11 March 2023| min read
List of Health Insurances with Dental Cover in India

Quick Summary

Dental Health Insurance

Dental Health Insurance is a sure way to get dental treatment without breaking the bank. Even though today's technology has made dental treatment easier, it is still considered expensive. Statistically speaking, 85% of adults suffer from a dental cavity, and an alarming number of only 28% of people brush twice a day. Further, researchers have found that one's oral hygiene has a direct impact on his/her overall health. This is where dental health insurance swoops in.

When it comes to getting health insurance, one name that tops every list is Star Health Insurance but is dental treatment covered in Star Health Insurance? This comprehensive guide will provide you with all the information there is to know about health insurance with dental coverage in Star Health.

  • Dental Health Insurance is a type of health insurance that covers the cost of dental care.
  • Dental treatment can be expensive, so dental health insurance can help you save money on your dental care.
  • Star Health Insurance offers a variety of dental insurance plans

Dental Health Insurance is a sure way to get dental treatment without breaking the bank. Even though today’s technology has made dental treatment easier, it is still considered expensive. Statistically speaking, 85% of adults suffer from a dental cavity, and an alarming number of only 28% of people brush twice a day. Further, researchers have found that one’s oral hygiene has a direct impact on his/her overall health. This is where dental health insurance swoops in.

When it comes to getting health insurance, one name that tops every list is Star Health Insurance but is dental treatment covered in Star Health Insurance? This comprehensive guide will provide you with all the information there is to know about health insurance with dental coverage in Star Health.

About Star Health Insurance

Star Health Insurance is a leading, trusted and reliable health insurance provider in India, offering a wide range of insurance products like comprehensive coverage, affordable premiums, and excellent customer service to individuals, families and businesses.

With a range of plans and a vast network of healthcare providers, policyholders can be assured of quality care and peace of mind.

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The Need for Dental Health Insurance

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.  

Is Dental Treatment covered in Star Health Insurance?

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

Features and Benefits of Star Health Insurance for Dental Treatment

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.

Eligibility for Outpatient Care Insurance Policies

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. 

Inclusions and Exclusions in Insurance for Dental Treatment

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.

Claim Process for Dental Insurance

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. 

Advantages of Buying Medical Policy with Dental Coverage

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.

Takeaway

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.

Frequently Asked Questions

No, you might not need a separate dental health insurance plan. This is due to the fact that under the Star Outpatient Care Insurance Policy of Star Health, dental coverage is taken care of. 

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Yes, the dental treatment is covered in the Star Health Insurance Policy. Although there is no separate plan for dental treatment, it is however covered under the Star Outpatient Care Insurance Policy.

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The best health insurance with dental coverage mainly depends upon your preference and requirements. However, to get access to the best dental treatment, you can opt for the Star Outpatient Care Insurance Policy by Star Health. 

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There are a number of benefits that a dental care insurance plan provides. Some of these benefits are - regular preventative care, maintaining good oral health, catching dental problems early and saving money on dental care expenses. It also covers a wide range of dental procedures, including fillings, extractions, root canals and crowns.

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The cost of dental treatment is not always covered by your health insurance plan. It is common for insurance companies to provide dental coverage as an optional benefit or as a separate policy. Still, the level of coverage will vary based on the insurer and the specific plan.

Some health insurance plans cover routine dental services like cleanings and exams, while others may cover more comprehensive dental treatment like root canals or orthodontics. Therefore, it is advised to review the policy plan before opting. 

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Most health insurance plans do not have dental health insurance as they are considered cosmetic procedures. Also, many providers do not want to take the risk of incurring the expensive cost of dental treatment. 

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Yes, many dental insurance policies cover root canal treatment. However, it is advised that you thoroughly review the policy by the insurance provider and make sure that it is in alignment with your requirements.

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There are waiting periods for dental treatment as per the policy clause. It depends upon the plan you choose; for instance, some policies may have a waiting period of 6 months, and some may extend up to 12 months. 

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There are numerous benefits to having dental coverage as part of your health insurance. Some of these include lower out-of-pocket costs, early detection and treatment of disease and result in improvement in overall health. 

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There are a few exclusions under the dental care insurance plan, which may vary as per the plan you choose. These exclusions are - Orthodontics, Prosthesis, Implants, Jaw Alignment Dentures and Cosmetic Treatments. 

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Last Updated on: 11 March 2023

Disclaimer: The information provided here is for educational and learning purposes only. It doesn't cover every medical condition and might not be relevant to your personal situation. This information isn't medical advice, isn't meant for diagnosing any condition, and shouldn't replace talking to a certified medical or healthcare professional.

Reviewer

Dr. Aman Priya Khanna

Dr. Aman Priya Khanna

MBBS, DNB General Surgery, Fellowship in Minimal Access Surgery, FIAGES

12 Years Experience

Dr Aman Priya Khanna is a well-known General Surgeon, Proctologist and Bariatric Surgeon currently associated with HealthFort Clinic, Health First Multispecialty Clinic in Delhi. He has 12 years of experience in General Surgery and worke...View More

Author

Rajath R Prabhu

Rajath R Prabhu

MSc. Clinical Research I PG Diploma in Public Health Services Management

3 Years Experience

His work in medical content writing and proofreading is noteworthy. He has also contributed immensely to public health research and has authored four scientific manuscripts in international journals. He was assoc...View More

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