A health insurance policy is a product that provides a financial safety shield to you and your family during medical emergencies, whether medical bills related to minor illnesses or injuries or critical disease, including pre- and post-hospitalization expenses. Now, the question arises: Does health insurance include dental and vision coverage? These are two important factors of health that contribute to the overall well-being of the person.
Is Dental and Vision Covered Under Health Insurance?
Health insurance schemes do not always include dental and vision care. However, dental and vision plans can be part of your health plan with OPD coverage but without hospital expenses. Hospitalization expenses can only be covered in case of accidental injury or side effects due to an underlying condition like diabetes.
Selecting an appropriate medical insurance is challenging yet incredibly important for dental and vision care. You can include dental and vision care by paying an additional premium if you are frequently facing problems related to it to meet your expected medical expenses. However, even with additional coverage of dental and vision care in the policy, you may have a waiting period of 6 months to a few years. The coverage is available up to the specific limit mentioned in the policy.
Coverage under dental insurance includes the following benefits:
- Dental consultation including emergency palliative treatment or minor pains.
- Root canal treatment
- Tooth conversation
- Oral x-rays
- Tooth extraction
- Periodontal procedure
Coverage under vision insurance includes the following benefits:
- Routine eye examination
- Corrective spectacle lenses as prescribed by an ophthalmologist
- Other daycare procedures are also involved in the policy like cataract surgery, and laser eye operations.
Conclusion
Most health insurance plans cover dental and vision care plans as part of OPD benefits without the expense of hospitalization. You can explore health insurance plans that cover dental and vision OPD consultations and treatment under optional benefit cover. Hospital expenses are generally covered when you have accidental injuries or you have the side effects of underlying conditions like diabetes.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.
Also Read: