What is Dental Health Insurance in India?
Ever since the outbreak of COVID-19, people in India have become much more aware of their health. From eating the healthiest food options to indulging in physical activities and several other healthy habits, we all are doing our bit. And while doing all of these, we are also paying much attention to the idea of buying health insurance plans. The best thing about health insurance policies is that you can use them and get the right medical treatment even when you do not have the necessary funds.
While we try to buy the best health insurance plan, we often forget about our dental treatment. Seldom do we realize that having good dental health is equally important and the dental treatments these days can be quite expensive. So, let us here discuss what is dental health insurance and the several types that are available in India. For more health articles visit: https://www.ourhealthissue.com/
What is dental health insurance?
Dental health insurance is the cover provided by the insurance company for dental procedures. However, most dental health insurance policies do not cover cosmetic dentistry. Procedures are classified as either preventive or diagnostic. Some of the dental procedures that are covered by almost all the dental health insurance plans include tooth extractions, filling of caries, root canal procedures, dentures, and many more.
Types of dental health insurance plans
Mentioned herein below are some of the types of dental insurance plans.
Cholamandalam MS Healthline Policy
Healthline Policy offered by Cholamandalam MS provides coverage for dental treatments. The sum insured offered by the policy starts from INR 1 lakh and goes up to INR 25 lakhs. Apart from OPD dental cover, the policy also comes with many other coverage benefits which include daycare procedures, in-patient hospitalization expenses, pre-hospitalization, and post-hospitalization expenses, domiciliary hospitalization cover, AYUSH coverage, and ambulance expenses, maternity treatment expenses, newborn baby expenses, and many others.
Comprehensive Health Insurance Policy
The Comprehensive Health Insurance Policy is offered by Star Health Insurance. The plan provides coverage for outpatient dental treatments. The plan offers varied sum insured options such as INR 5 Lakh, INR 7.5 Lakh, INR 10 Lakh, INR 15 Lakh, INR 20 lakh, and INR 25 Lakh. The coverage offered by the plan includes pre-hospitalization expenses, in-patient hospitalization expenses, post-hospitalization expenses, vaccination expenses for newborns, bariatric surgery, and many more.
Digit Healthcare Plus
Digit Healthcare Plus Policy, an insurance product offered by Digit Health Insurance covers dental treatment and it works as an add-on cover. The policy terms that the plan comes with are1 year, 2 years, or 3 years. It provides coverage for road ambulance expenses, in-patient hospitalization expenses, pre-hospitalization and post-hospitalization expenses, and many more. Policyholders can purchase this add-on cover by paying an additional premium while buying the policy.
Important documents needed for purchasing Dental Health Insurance in India
Here are some of the documents that you would be required to submit to buy Dental Health Insurance in the country. The documents include:
- Recent photographs
- Address proof which can be any such as Passport/Driving license/Telephone bill etc.
- Identity Proof like Passport/Aadhaar Card/ Pan Card/ Voter ID etc.
- Properly filled proposal form
Claim process of Dental Insurance
The process that needs to be followed for claiming cashless dental health insurance is mentioned herein below:
- To avail of your dental treatment at a network hospital, you would be required to inform the insurance company and ask for approval for a cashless facility
- To start the claim process, you must submit your health card and policy documents at the hospital
- Once the claim is approved, papers of the treatment and other important documents are sent to the insurance provider
- Expenses including dental care are directly settled between the insurance company and the hospital according to the terms and conditions that are mentioned in the guidelines of the policy
- You can even reimburse the dental care expenses after availing of the treatment at a non-network hospital or an outpatient dental treatment.
To know more about dental insurance plans and to find more options, you can visit the website of IIFL at your convenience.
