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Health insurance just got 18% cheaper – no GST applicable!

Dental insurance

Get cover for dental treatment

Available as an add-on

Reduces out-of-pocket expenses

What is Dental Insurance?

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.

Benefits of Health Insurance that covers dental treatments

Health insurance covering dental treatments offers several benefits. Some of these are:

Helps save money

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.

Improves overall health

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.

Encourages regular check-ups

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.

How does Dental Insurance work?

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.

Types of Health Insurance policies offering dental coverage in India

Several types of health insurance policies may offer dental insurance coverage through add-ons. These include:

  • Individual Health Insurance

    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 Health Insurance

    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.

Dental Insurance (OPD+ Rider) - key inclusion and exclusion

  • Inclusions
  • Exclusions
  • The inclusions in dental insurance in the form of an add-on in health insurance include expenses incurred on dental consultation and non-aesthetic dental procedures. However, such procedures must be carried out by a medical practitioner at our network of empanelled health service providers.
  • Any dental procedure carried out for cosmetic reasons, tooth jewellery, scaling procedures without periodontitis are not covered. Read the policy wordings of OPD+ Rider carefully to know the inclusions and exclusions in detail.

How to choose a Health Insurance with dental coverage?

There are certain factors to consider when selecting a health insurance policy with dental coverage as an add-on. These include:

How to buy Dental Insurance online?

You can buy health insurance with dental cover online in a few simple steps. All you need to do is:

  • Visit our official website here.
  • Click on ‘Health Insurance’ under ‘Health Insurance’
  • Enter your details
  • Click on ‘Get Quote’ to know the quote
  • Add the add-on covering dental treatment by paying the required premium

How to add Dental Insurance to your existing Health Policy?

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:

  • Visit our official website here.
  • Click on ‘Health Policy’ under ‘Renewals’
  • Enter either your policy number or phone number
  • Click on ‘Proceed’
  • Follow the appearing instructions to renew your policy and add the required add-on covering dental treatment

Eligibility criteria for Dental Health Insurance

While the eligibility criteria may differ across insurers, the common ones include:

  • 1Age: You must be within a specific age bracket to purchase health insurance that covers dental treatment. The minimum age is generally 18 years.
  • 2Pre-existing conditions: An add-on offering dental insurance may not cover pre-existing dental ailments. Review the policy wording to understand the specific eligibility criteria.

Documents required for Health Insurance with dental coverage

Documentation plays a vital role when buying health insurance with dental cover. Generally, you need to produce these documents while buying:

  • Identity proof/Age proof/Address proof, such as Aadhaar card, voter card, passport, etc We’ll inform you if you need any additional documents.

How is Dental Insurance premium calculated?

Several factors contribute to calculating premiums for health insurance with dental coverage. Some of them are:

  • Age

    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.

  • Pre-existing ailments

    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 deductibles

    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.

  • Sum insured opted

    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.

  • Number of insured members

    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

Average cost of dental procedures in India

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.

Procedure Amount in INR
Consultation Upwards of ₹500
Wisdom tooth extraction Upwards of ₹2000
Root canal Upwards of ₹5000
Dental crowning Upwards of ₹5000
Dental filings Upwards of ₹1000
Dental implants Upwards of ₹20,000 per implant

Preventive dental care and its insurance benefits

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:

  • Helps detect potential dental issues early
  • Leads to overall oral hygiene
  • Reduced risk of expensive dental treatments in the future
  • Lowers the risk of gum cavities

How to file a claim?

There are two ways to file a claim - cashless and reimbursement. Given below is the process for claim filing for both:

Cashless claim procedure

  • Get treated at any of the network hospitals and submit a copy of your health card and photo ID proof at the hospital TPA
  • The hospital will send us a cashless approval request along with the necessary documents
  • We'll process your claim request as per the policy's terms and conditions

Reimbursement procedure

  • Download the IL TakeCare app and have it linked to your policy
  • Provide your claim details and upload the required documents in PDF or JPEG format for claim assessment
  • You can also download the claims form here, fill in the details and send it with supporting documents to us

Things to remember while buying Dental Insurance

There are certain essential things to remember when buying dental insurance. These include:

1

Check what’s covered

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.

2

Consider the waiting period

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.

3

Read the limits

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.

Frequently asked questions about dental insurance

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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