Your dental health is as important as any other aspect of your physical health. And since medical inflation in India is increasing each day, the cost of dental treatments has also become expensive.
This necessitates having a dental insurance plan, so you may receive adequate assistance and be saved from huge dental bills. But do you know how dental insurance works in India? Are there separate dental plans? If you are searching for an answer to these questions, then this page will help you.
What is Dental Insurance?
Dental insurance is an insurance that specifically covers the expenses related to dental care and treatments. In India, separate dental insurance plans are not offered by many insurers. Rather, dental insurance cover is a part of the regular health insurance policy or may be bought as an add-on cover.
Thus, when choosing an insurance plan, it is crucial to choose a plan that covers dental expenses, too. The coverage assists you to get the best medical treatment for your dental health, while preventing any financial stress.
How Does a Dental Insurance Plan Work?
Dental insurance is mostly available as part of a comprehensive health insurance plan. Thus, coverage for dental expenses also depends on the policy type. In cases where dental cover is part of the insurance plan, some insurers may provide coverage for dental expenses arising solely out of injury, illness or an accident and if the treatment requires hospitalisation.
Thus, other instances of dental treatment may not be immediately covered. Many insurance providers have a waiting period attached to their plans, after which they may cover the regular dental expenses.
For example, some insurers offer OPD dental treatment, for root canal, tooth filling, tooth extraction, after you complete a specific number of years under continuous policy coverage. The waiting period may vary from 2-4 years depending on the insurance provider.
You may get dental coverage under various types of health insurance plans in India, including individual plans, family floater plans, critical health insurance, personal accidental plans, etc.
Benefits of Dental Insurance
Covers the Cost of Dental Treatments- Dental insurance covers the cost of inpatient and OPD dental treatment, as per the policy’s terms. A root canal treatment in India may cost up to 10,000, depending on the state, city and other factors. But if you have insurance coverage, the cost of treatment will be covered under the insurance and you won’t have to spend from your pocket.
Cashless Claim Facility
Many insurance companies offer a cashless claim facility for planned and emergency dental treatments. With the help of a cashless facility, you can get treated at any hospital in the country. Besides, the cost of treatment is directly settled by the insurer. Thus, you need not arrange funds nor go through the hassle of preserving bills and claiming a reimbursement.
Tax Deduction
When you invest in a dental insurance plan, you are eligible for a deduction under section 80D of the Income Tax Act. Thus, while you get medical expense coverage, you can also claim a tax benefit and reduce your tax liability.
Preventive Health Check-Up
Many insurance plans offer preventive check-up benefits to the policyholder. It may also include dental check-ups and examinations. Such preventive check-ups help to identify dental problems early on, making them easier to treat and affordable.
Consumables Cover
Dental insurance cover also includes the benefits of consumables cover if you are receiving treatment as an inpatient. Thus, if you have to undergo any surgery or major dental treatment, the insurance plan covers the cost of consumable items, such as syringes, needles, gloves, PPE kits, etc.
A Healthy Smile: Promise of TATA AIG Dental Insurance
Dental insurance has gained a lot of popularity in India, as it allows you to effectively manage the cost of dental treatment and get quality medical attention. Now that you are aware of how dental insurance works, you can make the right choice of insurance to maximise your benefit.
Among the reputed insurance providers is TATA AIG, offering comprehensive and affordable dental insurance plans. They provide dental cover under two plans, TATA AIG Medicare and TATA AIG Medicare Premier.
Their plans offer coverage for OPD treatments, including root canal, filling and tooth extraction. You can also avail of the inpatient dental treatment, full dental reconstruction if you require a dental surgery or treatment due to an accident, illness or injury.
You can opt for different suminsured with their plans as per your requirements Visit their website today to choose a dental cover for yourself and your loved ones. Say goodbye to huge dental expenses with TATA AIG health insurance.
