Policy purchase, claims, renewal & more
Thank You for your interest in our product. We'll get in touch with you shortly to answer your queries.
Last login:
08/12/2020 11:53:14
Car Insurance
Bike Insurance
Motor Insurance
Motor Floater
Health Insurance
Elevate Bestseller
Activate Booster
Activate Booster (Combo*)
Travel Insurance
Single Trip
TripSecure+
Gold Multi trip
Student Travel
SME Insurance
Marine Insurance
Workmen's Compensation
Group health Insurance
Fire Insurance
Products
Risk Management
Claims
Digital Solutions
Crop Insurance
NRI Insurance
Cyber Insurance
ICICI Bharat Griha Raksha Policy
Complete Home Protect
All Policy Renewal
Car Policy Renewal
Bike Policy Renewal
Health Policy Renewal
Home Policy Renewal
Travel Policy Renewal
Business Insurance Renewal
Health Claims
Motor Claims
Travel Claims
Home Claims
Get cover for dental treatment
Available as an add-on
Reduces out-of-pocket expenses
Dental insurance is a term that’s commonly used for a health insurance policy offering coverage for dental treatments. Dental treatment can be quite expensive. However, health insurance with dental cover can help reduce the burden of these high costs with ease. ICICI Lombard’s OPD+ rider includes dental insurance. However, you need to pay an extra premium for it. At ICICI Lombard, you can buy our OPD+ rider and get your dental consultations and non-aesthetic dental procedures covered based on the policy terms and conditions.
Health insurance covering dental treatments offers several benefits. Some of these are:
Dental treatments can be costly. However, you can easily meet the costs with health insurance covering dental treatments. This helps you save money and makes treatment more affordable.
Dental health is linked to your overall health. By covering dental treatments, health insurance can help prevent complications of dental infections and their sequelae which could lead to other health problems such as infective endocarditis which increases the risk of heart attack & stroke. Healthy teeth and gums mean a healthier body.
Dental coverage in insurance encourages you to go for regular check-ups. This check-up can help detect small problems early before they become serious. Additionally, regular care helps maintain the health of your teeth and gums.
The working of add-on in health insurance with dental cover is simple. You incur medical expenses for dental treatment, and the add-on reimburses or provides a cashless facility, as specified in the policy’s terms and conditions. You can raise a claim directly with the insurer or through TPA in the facility in which you are undergoing treatment.
Several types of health insurance policies may offer dental insurance coverage through add-ons. These include:
An individual health insurance policy is a type of health insurance that covers only a single individual. You can opt for this policy by paying the premium to cover yourself in the event of hospitalisation. When purchasing the policy, you can opt for an add-on that covers dental treatments.
Family floater policies may also offer health insurance with dental cover. In such policies, the entire sum insured floats among family members. In other words, the sum insured is shared among all family members.
There are certain factors to consider when selecting a health insurance policy with dental coverage as an add-on. These include:
Read the policy wording to know the coverage offered. Does it offer coverage for basic treatments or advanced procedures?
Take note of the hospital network where you can avail dental care. Ensure the empanelled hospitals are close to your home and have top-notch treatment facilities.
Ensure the coverage amount offered by the add-on covering dental treatment is adequate. An insufficient amount can result in out-of-pocket expenses.
You can buy health insurance with dental cover online in a few simple steps. All you need to do is:
You can add dental insurance while buying health insurance or renewing your existing policy. While the process for buying health insurance with dental cover is given above, here’s how you can add dental insurance during renewals:
While the eligibility criteria may differ across insurers, the common ones include:
Documentation plays a vital role when buying health insurance with dental cover. Generally, you need to produce these documents while buying:
Several factors contribute to calculating premiums for health insurance with dental coverage. Some of them are:
Your age plays a crucial role in determining the premium amount. Generally, youngsters have fewer chances of developing health issues compared to older adults. This can impact the premium amount.
Insurers consider if you have any pre-existing ailments while computing premiums. Generally, premiums are higher for those who have pre-existing diseases compared to those who don’t.
Voluntary deductible is the out-of-pocket amount you pay towards your policy before the insurer settles the rest of the amount. A high voluntary deductible may bring down your premium and vice versa.
The coverage amount you opt for also has an impact on the final premium amount. Higher sum insured can lead to a higher premium and vice versa.
Premium amount also depends on the number of insured members. For example, a family floater health insurance policy may have a higher premium as the coverage is shared among multiple family members
The average cost of dental procedures in India can vary across cities and healthcare facilities. The table outlines the approximate costs associated with various procedures. Note that these figures are for illustrative purposes only and the actual cost may vary depending on the type of treatment required.
Preventive dental care involves taking care of your teeth before any serious problems arise. The goal of preventive dental care is to detect dental issues early and address them before they turn serious. Dental insurance offering preventive dental care offers the following benefits:
There are two ways to file a claim - cashless and reimbursement. Given below is the process for claim filing for both:
There are certain essential things to remember when buying dental insurance. These include:
Different dental insurance policies cover different things. Some only cover basic check-ups and cleanings. Others also cover advanced dental treatments. Always check what is included before making a purchase.
There could be a waiting period before you can use your policy for major treatments. This can be for a few months or even a year. If you need treatment soon, choose a plan with a shorter waiting time.
Most health insurance policies that cover dental treatment may limit the amount they will pay. Once you reach that limit, you will need to pay out of pocket. Select a plan with a limit that suits your needs.
ICICI Lombard does offer any product like standalone dental insurance. We do offer an add-on called OPD+ Rider that covers only dental care.
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.
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.
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.
Generally, no. This is because this procedure is considered cosmetic or elective. However, check with your insurer regarding coverage for dental implants.
ICICI Lombard’s OPD+ rider covers dental treatments, depending on the policy’s terms and conditions.
It may or may not cover braces. It can vary across policies and depends on your health insurance coverage and the purpose of treatment.
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.
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.
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.
Two Wheeler Insurance
Home Insurance
Personal Protect Insurance
Online Insurance
Please select atleast one member
Error message here