Dental Insurance

Dental insurance is a type of health insurance coverage that covers dental treatments and related procedures. It includes OPD consultations and examinations, basic treatments, such as tooth fillings and extractions, as well as major procedures like root canal treatments.

Depending on the dental health insurance plan, you get coverage for dental treatments as part of the base policy or as an optional add-on. The coverage, features, and benefits will depend on the specific policy terms and conditions. For example, the coverage for OPD dental treatment will be available after a 2-year waiting period.

You can explore comprehensive health insurance plans that offer broad coverage for the various medical expenses associated with any treatment.

Cut Down Hefty Medical Charges

Dental healthcare requires specialised professionals, tests, and consumables, which can make treatments expensive (refer to the next section for the approximate costs). Dental health insurance helps in covering these expenses.

Maintain Oral Health

Regular checkups are necessary to avoid developing serious oral diseases. With dental health coverage, you can cover preventive healthcare, including OPD consultations, with annual benefits available each year.

Access Top-Notch Dental Care

If an oral care treatment goes wrong, it could double the treatment cost. With adequate coverage under dental insurance, you can access treatment from skilled professionals with years of experience and innovative treatment plans.

Please note: These prices are approximate and may vary across different cities.

Purchase Policy

Based on your dental healthcare needs, compare different health insurance plans and choose a suitable policy. You can buy health insurance online with coverage for dental treatments and receive your policy almost instantly.

Receive the Treatment

Undergo a preventive health checkup or receive treatment based on your dental issue. The type of treatment may vary from a simple OPD dental consultation to inpatient hospitalisation for serious procedures.

Claim Process

The claim settlement varies depending on the procedure or treatment. Make sure you are aware of the specific process for your treatment to avail the benefits. For certain benefits, you may have to go through a waiting period.

Claim Settlement

Initiate the claim process for your treatment. We will review your claim and pay the applicable expenses. For cashless claims, we settle the bills directly at the hospital and for reimbursement claims, we will reimburse the eligible expenses to you.

Individual Health Insurance Plans

Offers health insurance with dental cover exclusively for an individual. It provides extensive coverage with various add-on options, including OPD dental treatment for personalised benefits.

Family Insurance Plans

Offers health insurance coverage that can cover dental treatments for the individual members in a family. You can purchase it for your spouse, children, parents, and parents-in-law.

Super Top-up Health Insurance

Offers additional coverage when your existing sum insured is exhausted. This is particularly beneficial in the case of expensive procedures, such as dental treatments that become a necessity due to an accident.

Senior Citizen Health Insurance

Senior citizens often require routine annual preventive checkups to maintain their oral health. TATA AIG offers preventive health consultations at our network hospitals under the cashless benefit.

OPD Dental Treatment Add-on

In addition to the standard benefits under your policy, you can opt for the OPD Dental Treatment add-on. This provides annual coverage of up to ₹25,000, based on your basic sum insured.

It can cover the medical expenses incurred towards root canal treatment, tooth extractions, and filling. The benefit is over and above the base sum insured and does not affect your No Claim Bonus

The eligibility criteria may vary depending on the type of plan or insurance policy chosen. However, the general criteria for purchasing a health insurance policy with dental coverage are as follows:

• The minimum entry age for individual policies is 18 years, and the maximum age limit is 65 years.
• Dependent children from 90 days old up to 25 years of age can be covered.

Key Inclusions

• Inpatient Treatment

Covers hospitalisation expenses for dental treatments required due to injuries or illnesses.

• OPD Treatment

Covers routine dental procedures such as tooth extractions, fillings, and root canal treatments.

• Accident-related Dental Procedures

Covers dental procedures that are medically necessary due to an accident.

Key Exclusions

• Expenses during the Waiting Period

Medical expenses for dental treatments or procedures incurred during the waiting period are not covered.

• Cosmetic Surgeries

Dental surgeries performed for cosmetic reasons are not covered unless they are medically necessary due to an accident.

• Self-inflicted Injuries

Dental treatments required for injuries resulting from intentional self-harm or attempted suicide are not covered.

• Adventure Sports

Medical expenses for dental procedures needed after participation in hazardous or adventure sports are not covered.

Please note: These are general inclusions and exclusions and may vary according to the terms and conditions of the specific policy.

Comprehensive Coverage

Under health insurance policies that cover dental treatments, you get coverage for both inpatient treatment and OPD consultations. This helps you manage the cost of consultations, medications, and hospitalisation expenses under a single policy.

Coverage for Various Dental Treatments and Procedures

From basic treatments like tooth fillings and extractions to major treatment procedures like root canal treatments, dental cover in health insurance includes various dental care needs.

Preventative Health Checkup

In addition to inpatient and OPD dental treatments, you can also benefit from annual preventive health checkups at our network hospitals. This helps you identify potential issues at early stages and take the necessary corrective actions.

Consumables Benefit

Certain dental treatments, especially inpatient treatments, may require various consumables. With an add-on for consumables, your dental health insurance policies can cover these additional expenses.

Cashless Facilities

Benefit from cashless treatment at both network and non-network hospitals for emergency and planned hospitalisations. This lets you focus entirely on your healthcare without worrying about upfront payments.

Tax Benefits

Premiums paid for health insurance, including dental coverage, qualify for a tax deduction benefit under Section 80D of the Income Tax Act. You can claim up to ₹25,000 if you are less than 60 years of age and ₹50,000 if you are a senior citizen (over 60 years).

This benefit can be claimed not only for yourself and your family but also for your parents, every year.

Adequate Coverage

When buying dental health insurance, evaluate your dental healthcare requirements and choose a policy that provides adequate coverage for the various treatments and procedures specific to your needs. You can also enhance the coverage at the time of renewal.

Compare Plans

By comparing health insurance plans online, you can identify the best health insurance policy to cover dental treatments that suit your needs better. For example, if you require only basic treatments, look for options that cover OPD dental treatments.

On the other hand, if you anticipate major procedures, inpatient coverage will also be essential. In such cases, the TATA AIG MediCare Premier policy will be a suitable choice.

Inclusions and Waiting Periods

Your dental insurance plan may cover routine dental checkups or basic and essential oral healthcare treatments. Read your policy document to understand the inclusions and whether any waiting period applies before you can avail of the benefits.

Understand the Exclusions

Most dental insurance plans do not cover cosmetic treatments and surgeries unless they are medically necessary due to an accident. Therefore, it is best to go through the policy document to make yourself aware of the exclusions.

Claim Settlement Process

Make sure you understand the claim settlement process for specific dental procedures or treatments. Depending on your policy, you may be eligible for cashless or reimbursement claims, or both. Preventive dental health checkups are available on a cashless basis at our network hospitals.

Budget-friendly Premiums

Explore available options and buy health insurance online with coverage for dental treatments at just ₹15 per month with 0% GST.

Customised Policies

Choose between dental insurance plans for inpatient treatment, OPD treatment, or both, based on your specific needs.

Cashless Preventive Dental Healthcare

Benefit from annual cashless preventive dental health checkups at our network hospitals.

Broad Network of Hospitals

Get access to quality healthcare and cashless hospitalisation from our network of 12,000+ hospitals across India.

Digital Processes

Buy dental insurance online, initiate the claim process online, and manage your policy effortlessly with the TATA AIG app.

Discounts

Enjoy discounts of up to 10% on long-term health insurance and up to 32% on family floater policies.

• Step 1 - Visit our TATA AIG official website.
• Step 2 - Under the ‘Personal’ tab, select ‘Health Insurance’.
• Step 3 - Enter the required information and proceed to ‘Get Price’.
• Step 4 - Compare the different health insurance plans based on the coverage for dental treatments and choose a suitable policy.
• Step 5 - Pay the applicable premium online using any convenient method.

• Step 1 - Visit our TATA AIG official website.
• Step 2 - Under the ‘Personal’ tab, select ‘Health Insurance’.
• Step 3 - Click on ‘Renew your TATA AIG policy’.
• Step 4 - Enter the required details and proceed to ‘Renew’. At the time of renewal, you can review your existing dental health coverage and enhance it for additional protection.
• Step 5 - Pay the applicable premium online using any convenient method.

For Reimbursement Claims

• Step 1 - Visit our TATA AIG official website. Click on the 'Claims' tab at the top of the homepage.
• Step 2 - Click on 'Initiate a Claim' and then select 'Health'. You can also initiate a claim by contacting us over a phone call or email.
• Step 3 - Visit a hospital and receive the treatment. Ensure that the hospital is authorised and approved by TATA AIG.
• Step 4 - After the treatment, pay the bills and secure the payment receipts.
• Step 5 - Submit your medical records, bills, and payment receipts along with the claim form to us. We will verify your dental insurance claim and reimburse the applicable expenses.

For Cashless Claims

• Step 1 - Notify us about the request for a cashless claim. You can initiate the claim online or contact us through a convenient mode of communication.
• Step 2 - Visit a network or non-network hospital approved by TATA AIG and visit the TPA to request pre-authorisation.
• Step 3 - Once your pre-authorisation request is approved, receive the treatment.
• Step 4 - After the treatment, submit the bills and medical documents to the hospital.
• Step 5 - We will verify your documents and settle the approved expenses directly with the hospital.

Please note: For both cashless and reimbursement claims, notify us at least 48 hours before any planned hospitalisations/treatments and within 24 hours for emergency treatment.

Documents Required For Dental Health Insurance

• Duly filled claim form.
• Medical records associated with your dental care treatment.
• Documents for the proof of identity, such as an Aadhar card, a passport, etc.
• Documents for the proof of address, such as a ration card, a driving licence, etc.
• Hospital bills, pharmacy bills, and payment receipts.