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Health Insurance with Dental Cover

Health insurance with dental cover is essential for cost savings, regular check-ups, access to quality care, and emergency coverage. Learn about its benefits and the process of claiming for dental treatments in India.

  • 22 Feb 2024
  • 4 min read

Health insurance is essential for safeguarding your well-being and ensuring timely medical care when needed. While most people recognise the importance of health insurance for medical treatments, dental health is often overlooked. However, dental problems can be just as debilitating and costly as medical issues. This is where health insurance with dental coverage comes to the rescue, offering an extensive solution for your overall health. In this blog, we will delve into the world of health insurance with dental plans, exploring its significance, benefits, and how to choose the right plan for your needs.


What is a Dental Health Insurance?

Dental health insurance is a policy that’s tailored to cover the cost of dental treatments and procedures. This kind of health insurance can help you maintain your oral hygiene while preventing dental problems such as gum disease, tooth decay, or tooth loss. 

Depending on the insurer, dental insurance plans are available as a base plan, an add-on benefit, or a standalone plan. While buying this cover, make sure to check if it covers in-patient dental treatments, outpatient dental consultations, dental surgeries, root canal treatments, tooth extractions, tooth fillings, and more.


Benefits of Having a Health Insurance That Covers Dental Treatments

Do you also keep searching “best dental insurance benefits” on the internet? If so, here are the top benefits of dental insurance that covers implants.

  • Cost savings: Dental treatments can be expensive, especially procedures like root canals, braces, or implants. With dental coverage, you significantly reduce the financial burden, as the insurance helps cover these costs.
  • Regular check-ups: Dental insurance coverage encourages regular dental check-ups and preventive care. This proactive approach helps in the early detection of oral issues, preventing them from becoming significant problems.
  • Access to quality care: With quality dental insurance, you can access a network of experienced dentists and specialised dental clinics, ensuring you receive high-quality dental care.
  • Emergency coverage: Dental accidents and emergencies can happen unexpectedly. Dental insurance ensures you are financially prepared to handle these situations, whether it is a chipped tooth or a unexpected infection.

Also read:

How Do You Claim for Dental Health Insurance?

Claiming for health insurance with dental cover in India can vary depending on the type of plan and the insurer you have chosen. Here are the steps involved:

  • Review your policy document and the network of dental providers for cashless treatment. 
  • Inform your insurer about your dental treatment at least 48 hours before the scheduled date.
  • Visit the network hospital or clinic and show the staff your health card or policy document. They will verify your identity and eligibility for cashless treatment. You must also fill out a pre-authorisation form and submit it to the hospital or the insurer.
  • After getting approval from the insurer, you can undergo the dental treatment without paying anything. The insurer will directly transfer the bill amount to the hospital's account. However, you may have to pay for expenses not covered by your policy, such as co-payments or deductibles.
  • You can claim reimbursement later if you have visited a non-network dentist or paid the bills. You must submit the original invoices, receipts, prescriptions, discharge summary, and other relevant documents directly to the insurer. You can do this online or offline within a specified time limit.
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