Dental hygiene is essential for overall health. Ignoring your oral health can cause cavities and tooth decay. For example, if you ignore dental plaque and do not visit your dentist to have it removed from your tooth enamel, you may develop an oral bacterial infection. Dental procedures, like any other medical treatment, can consume a month's or two's salary. Still, in most cases, they are not part of standard health insurance, and there are no riders available to take care of your teeth. Have you ever wondered why dental procedures are not covered by health insurance? To know the answer, read on.
What is Dental Insurance?
Dental insurance is a type of medical insurance that covers dental procedures and treatments. In India, most insurers cover dental procedures if the need for medical treatment arises due to a severe accident. Furthermore, if some oral ailments have become life-threatening and dental procedures were done on the recommendation of registered medical practitioners, then you may be able to settle your related claims.
Why Is Dental Insurance Necessary?
Investing in dental insurance is important for the following reasons-
- It is an effective way to manage the costs of surgical procedures that are otherwise expensive.
- It also covers preventive care, which reduces the likelihood of surgeries.
What Do Dental Insurance Plans Typically Cover?
Dental insurance plans typically provide coverage for the following:
- Preventive Care
This includes routine cleaning, regular tests, and X-rays.
- Basic Procedures
Cavity fillings and basic extractions are covered.
- Major Procedures
Crowns, dentures, bridges, and root canal treatments are a part of major procedures.
Some premium plans also cover orthodontic treatments and cosmetic procedures, which standard insurance does not include.
What Are the Common Exclusions in Dental Insurance?
While several important treatments are included in dental insurance, there are also a few exclusions that you should know about-
- Cosmetic procedures such as veneers and teeth whitening are not covered.
- Pre-existing conditions are not covered by certain health insurance plans.
- Most dental insurances have an upper limit, and any cost beyond that is not covered by the plan.
Who Should Buy a Dental Insurance Plan?
Dental insurance plan can be especially useful for-
- Families with Kids: Children may often need dental visits for issues like cavity and treatments such as braces which are covered by dental insurance.
- People with Chronic Dental Issues: Individuals who have cavities, or gum disease or need regular visits to dentists should consider dental insurance.
- Aged People: Senior citizens experiencing deteriorating oral health with age.
Why is Dental Work Not Included in Health Insurance?
Dental work is often not included in general health insurance plans. The reasons for this exclusion are-
- Historical Context: While health insurance covers serious illnesses and emergencies, dental care has been traditionally seen as a luxury and not a necessity.
- Cost Containment: Dental work as a part of insurance policies increases the premium, making health insurance costly.
- Preventive Nature: Dental care is still treated as a preventable procedure through good oral hygiene and regular checkups.
FAQs
- Can I get health insurance that covers dental care?
A few comprehensive health insurance plans offer the option of including dental care, but it is not included in standard health insurance policies.
- Is dental insurance expensive?
Dental insurance plans are typically affordable, offering various budget-friendly options to suit the policyholder's needs.
- How can I reduce dental care costs?
Maintaining oral hygiene, regular checkups, and making use of discounts available at dental hospitals and medical camps are some of the ways of managing the cost of dental care.
- Are dental emergencies covered under health insurance?
Yes, dental emergencies caused due to accidents are covered by health insurance. However, longer procedures, the cost of hospitalisation, and other dental care expenses are usually not covered by general health insurance.
- Are root canals covered by health insurance?
While some insurance providers offer coverage for root canals, others do not. Consult your insurer for more details on inclusion and exclusions under your medical insurance.
Conclusion
Dental procedures are subject to policy exclusions as they are considered cosmetic procedures. Even if your insurer provides coverage for this, you should try to understand all the provisions associated with dental-related issues and the claim process. Read all the policy guidelines and choose dental insurance that covers any surgery or dental care you plan to avail.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.