Dental Insurance

Why Should You Buy Dental Insurance?

Dental treatments are usually expensive due to the use of innovative material, lab set-up, inflation and the skill required. However, several health insurance plans in India offer dental insurance cover as part of their basic coverage or as an add-on benefit. These plans enable people to get their dental expenses covered by their insurance company.
There are not many standalone dental insurance plans in India. Most of the time, dental coverage is available as part of a comprehensive health insurance policy where the policyholder is able to claim dental expenses along with other medical reimbursements like the cost of hospitalization, cost of medicines, etc.

List of Health Insurance Plans with Dental Insurance Cover in India:

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

Health Insurance Plans with Dental Cover

Check the dental insurance plans with their benefits as given below:

1. Aditya Birla Activ Health Platinum Enhanced Plan

   The Aditya Birla Activ Health Platinum Enhanced plan provides insurance coverage for dental investigation and consultations. The coverage is available for listed dental services availed at a network hospital of the insurance company. However, this cover is available only to people opting for a sum insured of Rs 15 lakh and above.

2. Bajaj Allianz Health Care Supreme Plan

   Bajaj Allianz Health Care Supreme offers coverage for OPD dental consultations and procedures under the outpatient expenses cover. The plan covers the cost of OPD dental consultations and procedures, including root canal treatment and extractions.

3. Care Plus Health Insurance Plan

   Care Plus Health Insurance offers coverage for outpatient dental treatments under OPD coverage. While the coverage was limited to up to Rs 1500 for sum insured of Rs 5 lakh & Rs 7 lakh, the coverage limit exceeds to Rs 2500 for the sum insured of Rs 10 lakh & Rs 25 lakh.

4. Cholamandalam MS Healthline Plan

   The Cholamandalam MS Healthline plan covers outpatient dental expenses in its Privilege variant. The coverage limit for dental expenses is up to Rs 10,000 in every two years.

5. Digit Health Care Plus Plan

   Digit Health Care Plus offers coverage for dental expenses incurred on accidental and sickness hospitalization. The plan also offers outpatient benefit as an optional cover that offers coverage for outpatient dental treatments. Under this benefit, the insurance company will pay for tooth X-rays, root canal treatments, amalgam or composite fillings, and extractions. The coverage is extendible to prescribed medicines for the treatment and alignment of teeth for adolescents.

6. Future Generali Health Total Plan

   Future Generali Health Total offers coverage for outpatient dental consultations and diagnostics under the Superior and Premiere variants. Under the Superior plan, dental coverage of Rs 3000 and Rs 10,000 is available for individual and floater options respectively. Under the Premiere plan, coverage for dental expenses increases to Rs 10,000 and Rs 20,000 for individual and floater options respectively.

7. HDFC ERGO Maxima Insurance Plan

   HDFC ERGO Maxima Insurance covers the cost of any outpatient dental treatments availed by the insured. It provides coverage for Rs 5,000 to individuals and a family of two and ₹7,000 to families with two children. However, it does pay for any cosmetic dental treatments.

8. ICICI Lombard Smart Super Health Insurance Plan

   ICICI Lombard Smart Super Health Insurance provides coverage for any emergency outpatient dental treatment obtained by the insured for injuries to teeth and gums due to an accident. It also covers the cost of follow-up treatments for a maximum of 15 days. The dental coverage limit ranges from Rs 5,000 to Rs 7,500, depending on the policy sum insured.

9. IFFCO Tokio Individual Medishield Insurance Plan

   The IFFCO Tokio Individual Medishield Insurance plan covers the cost of dental services as part of its Value Added Services. The plan provides coverage for dental services availed only at the empanelled dentists of the insurance company.

10. Liberty HealthPrime Connect Plan

    The HealthPrime Connect plan by Liberty General Insurance Limited covers the dental services under the Health 360 benefit. The plan enables policyholders to redeem the points earned on their health and wellness on availing dental care services, except for cosmetic treatments.

11. Magma HDI OneHealth Insurance Plan

    Magma HDI OneHealth Insurance comes with the outpatient cover that enables the insured to avail coverage for outpatient dental treatments under the Premium variant. The coverage is limited to a maximum of Rs 20,000 once in 2 policy years with a sub-limit of 30%.

12. ManipalCigna ProHealth Insurance Plan

    ManipalCigna ProHealth Insurance covers the cost of dental treatments under the Health Maintenance benefit. The coverage limit, however, varies from up to Rs 500 to Rs 20,000 depending on the opted variant.

13. National Parivar Mediclaim Policy

    The National Parivar Mediclaim policy offers coverage for outpatient dental treatments. It covers the cost of OPD dental expenses of the entire family on a floater sum insured basis. The outpatient dental coverage amount varies from Rs 2000 to Rs 10,000 per policy year.

14. New India Premier Mediclaim Policy

    The New India Premier Mediclaim policy provides coverage for OPD dental treatment costs. The coverage is limited to Rs 5000 and Rs 10,000 for Plan A and Plan B respectively. However, the coverage is available only after every two claim-free years.

15. Niva Bupa Health Premia Insurance Plan

    Niva Bupa Health Premia Insurance offers coverage for OPD dental treatments under the OPD treatment and diagnostic services cover. It covers the cost of dental procedures, including those conducted for preventive and restorative services due to a disease, condition or disorder.

16. Oriental Mediclaim Insurance Policy

    The Oriental Mediclaim insurance policy covers the medical expenses incurred on dental surgeries. However, coverage for dental surgeries are available only if it is required due to an accidental injury.

17. Raheja Health QUBE Insurance Plan

    Raheja Health QuBE Insurance provides coverage for any dental treatments and surgeries taken by the insured. The coverage, however, is available only in case these surgeries or treatment is required due to an accidental injury.

18. Reliance Digital Care Management Policy

    The Digital Care Management policy by Reliance General Insurance Company offers OPD dental cover to the insured. It provides unlimited physical doctor consultations to the insured with a coverage amount ranging from Rs 1000 to Rs 5000.

19. Royal Sundaram Lifeline Health Insurance Plan

    Royal Sundaram Lifeline Health Insurance covers the expenses incurred on OPD dental treatments under the Elite variant. The coverage is limited to a maximum of Rs 10,000. However, the coverage is available once in every 2 years with a 30% sub-limit on the sum insured amount.

20. SBI Arogya Plus Plan

    The SBI Arogya Plus plan provides coverage for the medical expenses incurred on OPD dental treatments. The plan covers the cost of dental OPD consultations and treatment incurred by the insured.

21. Star Comprehensive Insurance Plan

    Star Comprehensive Insurance covers dental treatment expenses taken on an outpatient basis. The coverage amount is limited to a maximum of Rs 300 per dental consultation. However, the dental consultations must be taken at a network hospital of the insurance company.

22. Tata AIG Medicare Premier Plan

    The Tata AIG Medicare Premier plan provides coverage for dental treatments taken on an in-patient and outpatient basis. It covers dental surgeries as well as dental procedures, such as root canal treatments, fillings, tooth extractions, etc. Moreover, the coverage is limited up to a maximum of Rs 10,000 per year.

23. United India Individual Health Insurance Policy

    United India Individual Health Insurance covers the medical expenses incurred on dental treatments during in-patient hospitalization. However, this policy covers dental expenses only if it results from an injury.

24. Universal Sompo Complete Health Care Insurance Plan

    Universal Sompo Complete Healthcare Insurance offers coverage for dental treatments resulting from an accidental injury. It also covers the cost of outpatient dental treatments, except for cosmetic treatments.

25. Zuno HealthPlus Plan

    The Zuno Health plan covers outpatient dental expenses of the insured under the 'Outpatient Expenses' benefit. It will cover the dentist's fees along with the cost of clinical oral examinations. It also covers dental procedure expenses, including root canal treatment, normal compound fillings, palliative treatment for dental pain and simple non-surgical extractions.

26. Zurich Kotak (formerly known as Kotak Mahindra) Health Premier Plan

    Zurich Kotak Health Premier offers coverage for dental expenses under its health and rewards benefit. The reward points earned under for fitness initiatives can be redeemed to pay for the outpatient dental expenses of the insured.

Types of Health Insurance Plans Offering Dental Insurance Cover in India

Here are the various types of health insurance plans that offer dental insurance cover in India:

• Individual Health Plans: This type of insurance plan may cover the dental expenses of an individual under basic coverage, additional benefits or premium add-on covers. In the case of add-on covers, the customers will have to pay an additional premium to acquire this benefit.
• Critical Illness Plans: This is a standalone plan that specifically caters to the medical expenses incurred on the treatment of a critical illness. Such plans may cover dental surgeries that fall under critical medical procedures.
• Family Floater Health Insurance Plans: This type of health insurance plan covers the dental expenses of the entire family. Such plans may cover dental procedures 
• OPD Health Plans: This type of insurance plan covers outpatient medical expenses of the insured, including dental OPD consultations, diagnostic tests and medicines.
• Personal Accident Plans: Sometimes personal accident plans cover dental expenses resulting from an accident that may have caused injury to the person’s teeth.

FAQs