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.
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:
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.
Dental treatments or surgeries that are required for cosmetic or aesthetic reasons unless it was necessitated from an injury caused by an accident.
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
Dental treatments will be covered under the policy only if the insured person is hospitalised.
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.
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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