Regular dental check-ups, cleanings and timely procedures play a significant role in maintaining your smile and overall health, but they can also be costly.
This is why health insurance in India with dental coverage is particularly beneficial. It helps you manage expenses, encourages preventive care and gives you peace of mind when unexpected dental issues arise.
Let us examine the reasons why obtaining dental insurance is a smart move that you should not put off.
Understanding Dental Insurance
Dental insurance is a type of health insurance benefit or add-on offered under the plan that covers dental treatment and other related costs. The benefit aims to provide better oral health without putting a burden on the pockets.
Health insurance plans with dental coverage typically come with a waiting period, which can vary from one insurance provider to another. However, before acquiring health insurance in India with dental coverage, individuals also need to meet the eligibility criteria, which are:
- The minimum entry age for individual health policies with dental coverage is 18 years, and the maximum age is 65 years.
- For a family floater plan, coverage for the child’s dental age begins at 90 days.
Why Do You Need Dental Insurance in India?
Oral health is as much as important as physical well-being. However, with inflation and rising medical treatment costs, dental treatment can easily drain your savings.
Hence, to safeguard your assets, having a health insurance plan with dental coverage is crucial. Here are some of the reasons to invest in dental insurance in India:
1. Quality Dental Care
One of the reasons to buy dental insurance or cover is to have access to quality dental care. With health insurance with dental cover in place, you do not have to worry about the hefty medical bills. You can receive quality treatment without incurring any financial burden.
2. Preventative Health Check-up
Many health insurance plans in India that offer dental coverage include a preventive health check-up. This encourages the individual to undergo routine oral check-ups, cleanings and other preventive procedures. It helps in detecting dental issues in early stages and avoids hefty treatment plans.
3. Cost-Effective Dental Expenses
Dental treatment procedures, such as tooth extractions and root canals, can be expensive and place an additional burden on you. However, with health insurance plans that include dental coverage, you can help cover a portion of such expensive treatments.
4. Timely Treatment
Another reason for having dental insurance in India is to receive timely dental treatment when needed. Whether it is a sudden toothache or gum infection, with health insurance that includes dental coverage, you can easily visit the dentist without worrying about the treatment cost.
5. Wide Range of Dental Procedures
A health insurance plan with dental coverage can help cover many common and costly dental treatments. This includes procedures such as root canal treatment, tooth extraction, inpatient hospitalisation for dental surgery and more.
Different Health Insurance in India that Offers Dental Coverage
Individual Health Insurance Plan
These plans are designed for a single person and cover various medical expenses, including dental treatments, as specified in the policy. They are a good fit if you are looking for personalised coverage and want to ensure that both your general and oral health are taken care of.
Family Floater Health Insurance
These plans cover your entire family under a shared sum insured. Many insurance providers now include dental benefits as optional add-ons. This is a convenient and cost-effective option if you want everyone in your family to have access to basic dental care.
Critical Illness Plans
While critical illness plans mainly focus on life-threatening conditions, some also offer dental coverage when it is linked to the illness or requires hospitalisation. It is essential to review the policy details to understand what is included in the plan.
Secure Your Oral Health with TATA AIG Dental Insurance Coverage
Dental treatment is crucial for overall well-being. Overlooking it may lead to painful and costly treatments later. That is why having dental insurance or cover from a well-known provider like TATA AIG is a smart move.
They offer health insurance plans that offer dental coverage. You get access to timely treatments, reduced out-of-pocket expenses and peace of mind during emergencies.
Whether you choose an individual plan or a family floater policy, TATA AIG ensures quality care with cashless claim benefits in any authorised hospital.
Santosh Kumar is a Professional SEO and Blogger, With the help of this blog he is trying to share top 10 lists, facts, entertainment news from India and all around the world.
