Zero
Waiting period
14,300+
Cashless hospitals
100%
Bills covered
Understanding dental insurance in India: Cover, benefits, and claims
Dental insurance in India can help you with financial assistance in case of medical procedures for dental problems. It is a part of the health insurance umbrella but is not a standard coverage. Thus, you need to verify if dental insurance is included in your policy or not before buying, renewing, and claiming.
Secure comprehensive coverage at competitive rates with our Standard Plan. Choose your sum insured from options ranging between ₹10 Lakhs, ₹25 Lakhs, ₹50 Lakhs, or ₹1 Crore.
Experience extensive coverage with our Platinum Plan. This plan offers a high sum insured with added benefits like zero deductions on claims and no waiting period, ensuring great value.
Boost your existing health coverage with our Platinum Super Top-up Plan. After a deductible, enjoy enhanced benefits such as no waiting period and a high sum insured, perfect for supplementing your current plan or medical funds.
In India, dental coverage is usually not a part of a basic health insurance policy. However, it can be covered under an Out-patient Department (OPD) cover (subject to availability) by paying an additional premium. For example, your health insurance policy might cost you Rs. 10,000 annually. By adding an OPD dental insurance coverage, the annual premium might increase to Rs. 11,000.
Even if dental insurance is covered under your OPD cover, it can come with the following conditions.
You might be required to serve a waiting period to be eligible to raise a claim against your dental insurance cover. For example, you might have to wait for three years from the beginning of your health insurance policy to claim dental expenses.
The dental cover might settle your claim up to a certain monetary limit. Here’s an example for explanatory purposes. Consider the OPD limit of your health insurance policy for dental insurance is Rs. 5,000. And your dentist’s bill amounts to Rs. 12,000. Your policy will only cover up to Rs. 5,000.
Once you have the suitable dental insurance coverage and avail of or are about to avail of the necessary dental treatment, you can raise a reimbursement or a cashless claim with your insurer, and it shall be settled as per the applicable terms and conditions.
As dental insurance plans in India are a subset of health insurance, they also offer similar benefits.
In some cases, dental procedures, like other OPD procedures, can be on the expensive side. Especially if the condition is severe, the treatment is complex, and it is availed of in a metro city. Here, insurance for dental treatment can help in easing the financial burden while settling the medical bill.
Frequent dental check-ups are required to ensure optimal dental health. However, not everyone is motivated to visit the dentist regularly. Perhaps, knowing that certain dental care expenses are covered by dental treatment insurance might propel people toward regular dental check-ups and better dental health.
The eligibility of dental cover in health insurance will depend upon the available/chosen insurance cover. If it’s an individual policy, the minimum age eligibility is 18 years and above, and the upper limit is 65 years. To include children in Family health insurance plans, their age eligibility is 90 days. Note that this criterion is meant as an overview; actual details might vary from policy to policy and insurer to insurer.
As dental insurance is not a standard cover, the exact inclusions will depend upon your policy. Here’s an overview of what is usually covered in dental insurance. For specific details, it’s suggested to check your health insurance policy wordings.
Usually, dental insurance excludes cosmetic treatments. Here’s an overview of dental insurance exclusions; for details, do check your policy wordings.
Dental insurance claims are handled the same way as other health insurance claims. There are two options: reimbursement and cashless.
In cashless claims, the insurer settles the bill directly with the hospital/dental clinic as they have a tie-up. You just have to pay the amount not covered by your policy.
In reimbursement claims, you need to pay the bill first and then get the expenses reimbursed. Your insurer will verify the details and credit the applicable claim amount in your bank account.
The exact list of documents can differ on a case-by-case basis. Here’s a basic list for your understanding.
You should get dental insurance coverage for the following reasons.
Here are the crucial points that you can take away from this article.
Read ahead for some frequently asked questions about dental insurance in India.
Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions.
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Reviewed by Rupinderjit Singh 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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