Dental insurance

What Is Dental Health Insurance?
Dental insurance is a form of health insurance that covers dental treatment costs. While there are generally no separate or standalone dental insurance plans in India, you can avail of Health insurance plan that covers in-patient dental treatments and OPD dental treatments.
Like healthcare, dental care can also be quite expensive in India, given the skills and the specialised setup needed along with the impact of inflation. The cost of dental care also depends on the type of treatment you undergo, the number of sitting each procedure takes, etc. However, to cover these expenses, you can always choose a health insurance plan that also includes a dental insurance cover, so that you need not spend money out of your own pocket for these dental procedures.
It is important to understand that dental insurance only covers dental treatment related to accidents, injuries, illnesses or as recommended by a dental healthcare professional. Hence the procedures can either be identified as preventive or diagnostic and does not include cosmetic surgery. Moreover, cosmetic surgery is extremely specialised and the cost for those procedures are too high and so, they cannot be covered under general health insurance plans.
If you are looking to purchase a Health insurance with a dental cover, take a look at the coverage offered by the dental plan to know what treatments and procedures are covered and choose your dental plan accordingly.

Why Do You Need Dental Health Insurance?
Just like healthcare, dental care is also becoming expensive with time. Even the simplest dental procedures such as tooth-fillings can be quite costly while other major procedures can majorly affect your savings. These are a few reasons why dental healthcare can be quite costly:
1.Inflation
2.Specialised lab setup
3.Professional’s skills
4.Consumables for treatment
To ensure that you do not have to dip into your savings or cut down on your essential expenses for dental treatments, it is recommended that you opt for a Dental health insurance plan. While many Health insurance policies in India offer dental cover, it is important to choose a Health policy whose dental plan offers the coverage, benefits and features you need.
OPD dental treatment offers a coverage of up to ₹10,000 for the cost of tooth extractions, root canals and filling, subject to you availing yourself of the dental health insurance plan for two consecutive years.
Features Of Dental Insurance
If you are looking for dental insurance in India, – which offer dental insurance coverage for in-patient dental treatment as well as OPD dental treatment. Let’s take a look at some of the features of Dental insurance:
It offers OPD Dental insurance coverage up to ₹10,000 per year for dental procedures like root canals, extractions and fillings.
The cost of dental treatments in Hospitals under anaesthesia caused due to accidents, illnesses and injuries are covered under cashless health insurance.

Benefits Of Health Insurance That Covers Dental Treatments
Dental health insurance is not easy to come by in India but you can always find a good dental insurance cover by choosing a good health insurance plan. Since there are no standalone dental insurance plans available, you need to compare health policies and check their features, benefits and coverage to choose a good health insurance plan that Cover expensive dental treatments
Most dental procedures are quite expensive and every trip to the dentist can affect your savings. Tata AIG’s comprehensive health insurance with dental cover that can offer adequate coverage for OPD dental treatments and also in-patient dental treatments.
Maintain good dental health With a dental insurance plan, you can monitor your dental health from time to time and keep your teeth healthy so that you can avoid unnecessary pain. With sufficient dental insurance cover, you need not hesitate to go to the dentist with any tooth problems.
Cashless hospitalisation
For in-patient dental treatments where you need to be hospitalised and treated under anaesthesia, you can avail of your treatment at any of Network hospitals in India for cashless hospitalisation. Insurer will settle the bills with the hospital on your behalf!

Tax benefits on your health insurance
Apart from receiving coverage for your dental treatments, you can enjoy tax benefits on your health insurance plan like annual tax savings of up to ₹25,000 on your health insurance premiums under Section 80D of the Income Tax Act. Hence, your dental health insurance cover can also save you some money on taxes!
We make at least a few trips to the dentist’s clinic in a single year. While these procedures may be minor and could just be restricted to routine check-ups, over a period of time, the costs start piling up. Dental insurance plans in India are not available as standalone policies, which is why a lot of people are not aware of dental insurance coverage.

How To File A Claim?
We offer a swift helping hand for filing claims. To know how to claim dental insurance, you can just call us or just whatsapp 9500060080, or you can just email the particulars of Claim or Policy to pinkyinsurancesolutions@gmail.com or helpdesk@smartinsurancesolution.com

For Planned Hospitalization and Emergency Hospitalization.
Your service provider will have to Write an email to us, TPA and Insurer, with your cashless claim form at least 48 hours before you are hospitalised.
We will verify your details, get in touch with the insurerl and send you a confirmation.
Once you are admitted to the hospital, show them the confirmation and your health card.
Insurer will settle the payment with the hospital on your dental insurance plan.
If you have to go to a network hospital for an emergency, Inform the network hospital or let us know about the emergency treatment.
Send us and the third-party hospital administrator (TPA) or the insurer, your policy number.
We will check the details and coordinate with insurer and TPA to settle the claim as per your dental coverage.

For Out-Patient Department treatments
After your dental procedure, verify all the details and pay the bills. Ensure that the treatment/procedure is covered under your dental coverage.
Send the claim form along with the documents and bills or get in touch with us on 9500060080.
We will verify the claim and coordinate with insurer and TPA to settle the reimbursement.

Things To Remember When Buying Dental Insurance
In India, since dental health insurance is a part of most health insurance policies, it is important to ensure that the health insurance plan you buy includes a dental insurance cover that meets your needs. Here is what you should look out for while purchasing a dental cover:
Adequate coverage: Look out for a suitable health plan that not only includes a dental cover but also offers sufficient coverage for the treatments and procedures covered.
Compare the plans: By comparing the different health insurance policies, you can find out which dental insurance policy suits your needs better. For example, if you need coverage only for in-patient dental treatments or as well as other procedures such as tooth fillings, extractions and root canals.
Check the inclusions: Your dental insurance policy may cover preventive care treatments, routine dental check-ups, basic oral healthcare treatments and essential oral healthcare treatments. Read your policy document to check if the dental plan covers these check-ups and treatments and if there is any waiting period involved before you can avail of it.
Understand the exclusions: A dental insurance policy, like health insurance, also has some exclusions. Most dental insurance plans do not cover the cost of cosmetic treatments and surgeries and so, it is best if you read through the policy document and be better informed about the benefits.
Network Hospitals: Dental procedures conducted under anaesthesia need you to be hospitalised since these could be a result of an injury, illness or an accident.
While buying a dental insurance policy, it is also wise to carry out some research on the medical terms and names of the procedures so that you can easily read the policy document when purchasing the dental plan.

Explanations mentioned in “What’s Covered & What’s Not Covered?” are illustrative and will be subject to terms, conditions and exclusions of the Policy. Please refer to the Policy Document for more detail