What is standalone Dental Insurance?

ICICI Lombard does offer any product like standalone dental insurance. We do offer an add-on called OPD+ Rider that covers only dental care.

Is accidental dental injury covered by all dental insurance?

Yes. Dental insurance does cover accidental dental injuries. That said, it’s essential for you to review the policy wording to know exactly what’s covered.

Is root canal treatment covered by dental insurance plans?

Yes, dental insurance cover root canal treatment. However, the amount covered depends on the policy. Some policies may cover a significant portion of the cost, while others may only cover a portion, leaving you to pay the rest.

Does dental insurance cover tooth extraction costs?

Yes. Dental insurance cover costs for tooth extraction. However, just like root canal treatment, the amount may vary across policies. It’s essential to go through the policy wording to know the cost.

Are dental implants covered by dental insurance plans?

Generally, no. This is because this procedure is considered cosmetic or elective. However, check with your insurer regarding coverage for dental implants.

Does OPD cover dental treatment?

ICICI Lombard’s OPD+ rider covers dental treatments, depending on the policy’s terms and conditions.

Does dental health insurance cover braces?

It may or may not cover braces. It can vary across policies and depends on your health insurance coverage and the purpose of treatment.

Why are dental treatments not covered by all health insurance policies?

Health insurance don’t cover dental treatments as they are deemed cosmetic procedures. You can cover them with an add-on. However, it’s also true that some health insurance policies do cover treatment needed due to injuries that damage your teeth.

What is dental deductible?

A dental deductible is the amount you need to pay from your pocket before insurance pays for the treatment. You can opt for a dental deductible to bring down your insurance premium.

How often can I get dental cleaning with insurance?

The specifics differ across policies. Review the policy documents to determine the number of dental cleanings included in the policy. The exact frequency depends on your oral health status.

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Health Insurance for Brain Surgery

Health insurance provides financial coverage for a range of medical uncertainties, including hospitalisation, accidents and surgeries. It also covers the cost of a brain surgery if a brain-related condition was diagnosed post policy issuance. It is always advisable to have a comprehensive health insurance to ensure that you’re protected no matter what happens.

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What is a brain surgery?

Brain surgery is a medical procedure where doctors operate on the brain to treat problems like tumours, bleeding, injuries or other issues affecting how the brain works. It is done by a specialist called a neurosurgeon. The surgery can involve removing something harmful, fixing damaged areas or relieving pressure inside the head.

When is a brain surgery required?

A brain surgery might be needed to:

Remove brain tumour
Fix blood vessel problems
Relieve pressure
Remove blood clot
Implant devices for deep brain stimulators

Types of brain surgery

The different types of brain surgeries include:

Craniotomy

The doctor removes a part of the skull to reach the brain and treats conditions like tumours, clots, etc. After the surgery, the skull is put back.
Deep Brain Stimulation (DBS)

DBS involves placing a small, battery-powered device under the skin that sends electrical signals to targeted areas in the brain.
Shunt Surgery

In this procedure, a thin tube or shunt is placed in the brain to drain out extra fluid and reduce pressure. The fluid is drained from the brain to the tummy.

Benefits of buying health insurance for brain surgery

Health insurance for brain surgery offers these benefits:

Financial cover

Brain surgeries can be costly, running into several lakhs of rupees. Having a comprehensive health insurance can help cover the high cost.

Wide coverage

Depending on the policy’s terms and conditions, health insurance may offer coverage for advanced treatments such as deep brain stimulation for quick recovery.

Peace of mind

Having a brain surgery cover gives you peace of mind, which allows you to focus on your recovery rather than worrying about hefty medical bills.

How to buy health insurance for brain surgery?

While purchasing health insurance for brain surgery:

Visit the insurer’s website
Compare multiple plans and premiums
Opt for a plan offering a high sum insured
Check the inclusions and exclusions
Find out the insurer’s claims settlement ratio
Add the critical illness add-on covering brain surgeries
Pay the premium for the one that meets your needs

FAQs on brain insurance

Does health insurance cover brain surgery?

It depends on the policy. It is always better to check with your insurer.

Is brain tumour covered by health insurance?

Go through the policy wordings to know if a brain tumour is covered or not. On most occasions, it may not be covered by your base policy.

Will I get health insurance if I already have a brain tumour?

It will depend on the insurer’s underwriting. You may or may not get coverage depending on the condition of your tumour.

Is brain surgery a critical illness?

Yes. Brain surgery generally falls under the category of critical illness as it involves complex procedures that address serious conditions like tumour or traumatic injuries.

How much does brain surgery cost with insurance?

The cost of brain surgery with insurance varies significantly based on factors such as the type of procedure, hospital and your insurance plan's specifics.

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