• Dental Insurance in India: Best plans with dental covers

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    Thanks to the number of health insurance companies in India, choosing a single health insurance plan has become a mammoth task today. Ideally, one would look at the features of the plan, the benefits offered, special inclusions, premium payable, limits on benefits, coverage amount, list of network hospitals of the insurer and so on. After looking at the many different plans and weighing the pros and cons, an individual would zero in on a single plan. However, the last thing one would consider checking is whether dental treatments are covered under the health insurance plan, unless one has had the experienced of shelling out a lot of money on dental treatments or surgeries.

    Most health insurance companies exclude dental treatments as they mostly come under cosmetic treatments. However, a handful of insurers offer coverage for dental treatment if the requirement for the treatment arises from a major health condition or an accident. For example, the Bajaj Allianz Health Guard Policy offers coverage for dental treatment if cancer or an acute traumatic injury made the treatment necessary.

    Dental insurance plans in India

    As mentioned earlier, there are not many health insurance plans that offer coverage for dental treatments. Given below are details of three health insurance plans that offer coverage for dental treatments:

    ICICI Prudential Health Saver

    Health Saver is a comprehensive health insurance policy that provides financial protection to individuals, as well as their family members, in case of hospitalisation. Expenses that are not covered under the hospitalisation benefit can be reimbursed by the policyholder. Non-hospitalisation expenses, under this policy, include cost incurred on medicines and drugs, diagnostic charges, and dental expenses among others.

    Conditions to avail dental coverage under Health Saver:
    • The policyholder should have completed three policy years.
    • Only one claim under ‘Health Savings Benefit’, which include a list of non-hospitalisation expenses as mentioned above, can be made in a policy year.
    • The proof of expenditure towards the treatment or original bills need to be submitted.
    • The minimum amount that can be claimed for dental treatment is Rs.1,000.
    • The maximum amount that can be claimed for dental treatments depends on which policy year it is. The maximum amount that can be claimed:
      • During the 4th and 5th years is 20% of the health fund
      • From the 6th to 10th year is 50% of the health fund
      • From the 11th year onwards is 100% of the health fund
    Dental coverage exclusion

    Dental treatments or surgeries that are required for cosmetic or aesthetic reasons unless it was necessitated from an injury caused by an accident.

    Bharti AXA Smart Health Insurance Policy

    The Smart Health Insurance Policy is an all-inclusive health insurance policy that not only covers regular hospitalisation expenses but also day care treatments, treatments for critical illnesses, out-patient emergency treatments, etc. Along with these is the coverage for out-patient dental emergency treatments that was called for by an accidental injury.

    Dental coverage details under Smart Health Policy

    • The coverage is offered for treatments or surgeries conducted by a dentist for emergency situations wherein an accident caused damage to the individual’s natural teeth or gums.
    • Follow-up treatments, up to 15 days after the treatment, are also covered under the policy.
    • The limit for dental coverage is mentioned in the policy.

    Dental coverage exclusion

    Dental treatments will be covered under the policy only if the insured person is hospitalised.

    Apollo Munich Easy Health

    Easy Health is one of the many health insurance plans offered by Apollo Munich. The plan covers in-patient treatments, out-patient treatments, day-care procedures, organ donor expenses, AYUSH benefit, ambulance services, daily cash benefit and so on. An additional critical illness benefit rider is offered with the policy. The out-patient treatment coverage also includes out-patient dental treatment.

    Dental coverage details under Easy Health
    • 50% of the cost incurred on the dental treatment of the insured member will be covered under the policy.
    • The coverage can be availed only after completion of 3 policy years and renewal for the 4th year.
    • Expenses incurred on X-rays, amalgam, root canal treatment, composite fillings, extractions, and prescribed medicines will be covered under the policy.
    • The maximum amount covered is as mentioned in the policy document.
    • Dental treatments will not be covered unless it was made necessary by cancer or an acute traumatic injury.
    Dental coverage exclusion

    Only dental treatments for which the insured individual is hospitalised is covered under the policy.


    So, if you’re looking for a health insurance plan that specifically covers dental treatments, you can look into the above three plans described. However, ensure you go through all the terms and conditions so that you do not face any issues at the time of claim settlement.

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