Which health insurance plans cover dental treatments?
Health insurance plans that cover dental treatments
Whether you suffer from a severe medical contingency which results in hospitalization or a small injury, you cannot avoid the burgeoning medical expenses. Dental treatments, which are very common and frequent, also end up burning a hole in your pockets. Though you buy a health insurance plan to cover your hospitalization expenses, what about dental treatments? How do you pay for them?
If you are thinking that your health insurance plan would cover your dental treatments too, think again. Dental treatments are, usually, excluded from most health insurance plans. Feeling disappointed? Don’t give up hope just yet. I mentioned ‘usually’. That means, there are many health plans which provide coverage for dental treatments too. Yes, you heard me right. If you explore the health insurance industry, you would come across plans which cover expenses related to dental treatments. So, let’s see which plans fit the bill:
Apollo Munich’s Easy Health Premium and Maxima
Apollo Munich can be trusted to offer health plans of all types. While Easy Health Premium is a comprehensive health insurance plan, Maxima is a health plan which is designed to cover OPD expenses which are otherwise excluded in many plans. Under Easy Health Premium Plan, dental treatments are covered after a waiting period of 3 years. There is a capping on the available coverage which is 1% of the Sum Insured subject to a maximum of Rs.5000 or Rs.7500 depending on the Sum Insured selected by the policyholder. Under Maxima, the limit of coverage on dental treatments depends on the number of members covered. For an individual the maximum limit is Rs.5000, for two members it increases to Rs.5500 and for four members the limit is up to Rs.7000.
Bajaj Allianz’s Tax Gain Plan
Another plan offered by Bajaj Allianz is Tax Gain which covers OPD expenses and since dental treatments form part of OPD treatments, they are covered under the plan. Moreover, there is no waiting period. OPD expenses are covered from the first day and so you can make claims for dental treatments anytime. Both dental treatments and cost of dentures are covered under the plan.
Bharti AXA’s Smart Health Plan
Smart Health Plan comes in three variants of Basic, Premium and Optimum. Coverage for dental treatments is available in higher variants which have a higher Sum Insured level. However, there is a catch. Dental treatments are covered under the plan only if such treatments are necessitated by an accidental injury. If you avail normal treatments, such treatments would not be covered. Moreover, accidental dental treatments are covered on an outpatient basis.
Star Health’s Comprehensive & Health Gain Plan
Star Health Insurance also offers two different health insurance plans which offer coverage for dental treatments – Comprehensive Insurance Plan and Health Gain Insurance Plan. Under Comprehensive Insurance Plan, dental and ophthalmic treatments are covered on an outpatient basis. However, these treatments are covered once in three years irrespective of any claim happening during these three years. These three years should, however, be a continuous period. Under Health Gain plan too, dental treatments are covered on an outpatient basis. Moreover, there is a carry forward feature under the plan. As per the feature, there is a limit on OPD treatment coverage. If you do not utilize the available limit, any unutilized amount could be carried forward to the next policy year. However, the unutilized amount would be valid for one year only and lapse once the policy year is over. Thus, both policies offer dental coverage with slightly different terms.
So, these were some health insurance plans which cover dental treatments. However, there is one thing which you should remember. Even if a health plan covers dental treatments, there is a limit to such coverage. This limit is either expressed as an absolute amount or as a percentage of Sum Assured. Dental treatments are never covered up to the Sum Insured. So, if you think you would need coverage for dental treatments, look for plans which cover such treatments. I have listed some plans for a quick reference. There might be other plans too. You can use the online medium to find such health plans which cover dental treatments. Compare the plans and buy one which gives you the required coverage.