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 Heart Patients

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What is health insurance for heart patients?

Health insurance offers protection against the high cost of medical treatments by covering a range of health conditions and procedures. It includes coverage for heart-related ailments if they are diagnosed for the first time after policy issuance. Usually, you need to buy a critical illness insurance or add a critical illness add-on/optional cover to your base health insurance policy to get coverage for multiple critical conditions. Such policies also cover various other heart issues resulting in heart replacement, repair of heart valves, open chest coronary artery by-pass graft (CABG) surgery, etc.

Benefits of heart insurance

Health insurance for heart patients, which is commonly known as heart insurance, offers you financial protection in case of hospitalisation due to heart attacks. It offers the following benefits:

Lump sum pay-out

You get a lump sum pay-out as per the policy’s terms and conditions. This helps you meet various costs associated with the treatment of heart diseases.
Financial cushion

Your savings can deplete in no time while treating heart-related ailments. The lump sum pay-out received from heart health insurance can help you safeguard them to a great extent.
Wide coverage scope

Critical illness insurance offers wide coverage. Apart from meeting expenses incurred due to heart attack, the plan also offers coverage for coronary artery diseases, open chest CABG surgery, open heart replacement or repair of heart valve.

How to choose the right heart insurance plan?

To choose the right heart health insurance policy, check:

Cardiac specific coverage

Find out the coverage specifically tailored towards heart ailments and choose the one with a wide scope for better protection.

Policy exclusions

Read the policy wordings carefully to know the exclusions under the policy. This brings down the chances of claim rejection, disputes and surprises.

Network hospitals

Find out the insurer’s empanelled network hospitals where you can avail cashless treatment. Check for hospitals dedicated specifically for the treatment of heart diseases.

Who should buy cardiac health insurance?

If you have a family history of heart diseases or are living a sedentary lifestyle, it is advisable to have health insurance policy with a critical illness add-on/optional cover. That said, even if you don’t have any of these, you should opt for heart ailment coverage by adding a critical illness add-on to your base policy. This is because anyone can suffer a heart attack anytime.

How to buy heart health insurance online?

It is quite easy to buy a health insurance online. Visit the website of your preferred insurer, share your details, check the plan you want to buy, opt for critical illness add-on/optional cover for comprehensive protection, and pay the premium. That’s it.

How to raise health insurance claim for heart patients?

There are two ways to raise a claim - cashless and reimbursement. The process for both is given below

Cashless	Reimbursement
Contact your insurer and share your name, policy number and other relevant information related to your illness	Inform your insurer regarding your claim with your policy number, name, nature of illness and other relevant information
Share the health card provided with the policy	Fill-up the claim form in due time with all relevant documents collected from the hospital at the time of discharge
Basis the information provided, the insurer will grant final authorisation	The insurer will check and verify them after which your claims will be settled

FAQs on heart health insurance

Is heart attack covered in health insurance?

Expenses related to a heart attack can be covered in health insurance depending on the policy’s terms and conditions.

Does health insurance cover heart disease?

It depends on the policy.

Can I buy health insurance after a heart attack?

While you can buy health insurance after heart attack, make sure to declare the same while buying a plan. It helps in better risk assessment and premium calculation.

Is angioplasty covered in heart health insurance plans?

Please read the policy wording carefully and check with your insurer to confirm the same.

Are there any sub-limits under cardiac health insurance?

It depends on the policy and can differ across plans. Go through the policy wordings to know if there are any applicable sub-limits.

Disclaimers

Health insurance articles

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How to Prevent Heart Disease?

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Papaya contains antioxidants, fibre, and potassium that help lower cholesterol, reduce blood pressure, and improve heart health. However, patients with kidney issues, diabetes, or those on blood thinners must be cautious of risks like high potassium, sugar, and medication interactions.

25 Oct 2024

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Is Mango Good for Heart Patients?

Mangoes, rich in polyphenols and flavonoids, can benefit heart health by lowering systolic blood pressure and pulse pressure. Early research suggests mangoes may also improve gut health, making them a heart-friendly choice.

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Guava and Heart Health: Benefits, Nutrients, and What to Know

This article explains how guava supports heart health through its antioxidants, fibre, and potassium content. It covers its role in managing cholesterol and blood pressure while highlighting the importance of health insurance for handling medical needs and treatment costs.

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Is banana good for heart patients?

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