Is Dental Treatment Covered In Health Insurance? A Comprehensive Guide

Health insurance plans are a saviour when it comes to managing medical expenses. And with the increasing demand for health coverage in India, many insurance providers offer comprehensive plans to accommodate maximum health issues.

Today, we see an increase in dental problems across all age groups, due to high sugar consumption, poor oral hygiene, use of tobacco, etc. Since the cost of dental treatments is high, people turn to health insurance plans.

Let us find out if dental treatment is covered under health insurance.

Dental Treatment: Part of Health Insurance or Not?

Dental treatments are generally not a part of standard health insurance plans. Most insurers provide dental treatment cover only if they arise due to an illness or injury after an accident. However, some insurance providers do offer dental treatment as an add-on cover to their base insurance plans or under OPD benefit.

So, if you want coverage for your dental treatment expenses, you may purchase a rider for your insurance plan by paying an extra premium.

Dental Treatment: The Coverage in Health Insurance Plans

The scope of dental treatment coverage in health insurance is varied. While some treatments are fully covered, some may be only partially included in your dental insurance plan. Hence, you must know exactly what is covered under your insurance plan.

• Check-Ups- Most insurance plans include routine check-up expenses under dental insurance. Such coverage allows you to undergo regular check-ups and maintain your oral health.
• Dental Fillings- Some health plans may cover the cost of dental fillings, which may be necessary due to cavity buildup.
• Root Canal- This is a major dental procedure to treat a decayed tooth. However, not all policies may cover it and some plans may cover it up to a certain limit.
• Cleaning- Periodic cleaning and scaling may be necessary to maintain oral health. To know if it is covered under the insurance plan, you can approach your insurance provider.
• Emergency Dental Treatment- Many insurance plans offer coverage for emergency dental treatment, which may be necessary after an illness, injury or accident.

The Need for Dental Cover

Dental treatments come at a significant cost, which is why people avoid getting dental treatments done. In such situations, dental insurance comes to the rescue, providing you with the necessary financial assistance to bear the treatment cost. Thus, you can take care of your oral health without breaking your bank.

Most insurance providers do not provide a separate dental plan. However, they do offer dental insurance as an add-on option to your base plan. Thus, assisting you in getting the required treatments when needed.

Unveiling the Benefits of Dental Treatment in Health Insurance

1. Financial Assistance- Dental treatments, such as root canals, surgery, etc., are very expensive. Due to the high treatment cost, many people avoid such procedures, which can worsen the problem and make the treatment even more expensive. But with dental coverage, you can get the treatments done on time without any financial stress.
2. Helps to Maintain Dental Health- The inclusion of basic and preventive dental check-ups allows you to keep a check on your dental health and maintain it. With regular cleaning, scaling and check-ups, you can curb the problem at an early stage and avoid complexities.
3. Provides Emergency Care- Dental injury after an accident or illness is an unpredictable event and may require extensive treatment or even surgery. Some insurance plans cover emergency dental treatment, such as surgery, saving you from spending huge sums from your pocket.
4. Wide Coverage- Health insurance plans cover various dental services such as preventive care and cleaning, making it a comprehensive plan for your dental health.

Exclusions of Dental Coverage in Health Insurance Plans

While health insurance plans provide you relief by covering a broad aspect of your dental issues, you must know that certain exclusions do exist. Here is the list of exclusions:

1. Dental injuries due to participation in dangerous activities are not covered unless it is explicitly covered.
2. Cosmetic dental surgery
3. Dentures
4. Dental implant procedures
5. Orthodontics, prosthesis, etc.
6. Any kind of surgery, unless mentioned in the plan.

Apart from the exclusions, you must also find out about the waiting period associated with your insurance plan. During the waiting period, you may not be eligible to get assistance for any of the dental expenses.

TATA AIG Health Insurance with Dental Cover for a Healthy Smile

Dental procedures can be very expensive. Hence, it is necessary to opt for a health insurance plan with dental coverage. If you are looking for affordable and comprehensive plans, TATA AIG is the right choice for you.

They offer dental coverage with their health insurance plans, which takes care of your dental healthcare expenses. Their plans offer coverage for inpatient and outpatient dental treatment, which includes dental procedures due to accident, illness and injury. You can also get OPD dental treatments, such as root canal, tooth extraction, fillings, etc.

All the producers are covered based on the policy terms with different limits, tenure, etc. You can protect yourself and your family against dental troubles with TATA AIG’s health insurance plans. Visit their website and discover a variety of plans for your health needs.