Dental Insurance In India

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Dental Insurance

Buy Tata AIG MediCare Premier health insurance with an OPD cover for dental insurance coverage.

Choose the Right Dental Insurance Plan for You

Use the Tata AIG health insurance calculator to compare quotes and find the right dental insurance plan for yourself today!

Key Highlights of Tata AIG Dental Care Insurance Plan

Tata AIG’s two variants from the MediCare line of health plans - Tata AIG MediCare and Tata AIG MediCare Premier - comprise a dental care insurance plan. You can receive coverage for:

  • Outpatient Department (OPD) dental treatment for tooth fillings, root canals and extractions.
  • In-patient dental treatment and hospitalisation for dental injuries, accidents and illnesses
  • Maximum coverage of up to ₹10,000 per year on OPD treatments after two consecutive years of cover with us.

What is Dental Health Insurance?

Dental insurance is a form of health insurance that covers dental treatment costs. While there are generally no separate or standalone dental insurance plans in India, you can avail of our Tata AIG MediCare health insurance plan that covers in-patient dental treatment or our Tata AIG MediCare Premier health insurance plan that covers in-patient dental treatments and OPD dental treatment.

Like healthcare, dental care can also be quite expensive in India, given the skills and the specialised setup needed along with the impact of inflation. The cost of dental care also depends on the type of treatment you undergo, the number of sitting each procedure takes, etc. However, to cover these expenses, you can always choose a health insurance plan that also includes a dental insurance cover, so that you need not spend money out of your own pocket for these dental procedures.

It is important to understand that dental insurance only covers dental treatment related to accidents, injuries, illnesses or as recommended by a dental healthcare professional. Hence the procedures can either be identified as preventive or diagnostic and does not include cosmetic surgery. Moreover, cosmetic surgery is extremely specialised and the cost for those procedures are too high and so, they cannot be covered under general health insurance plans.

If you are looking to purchase a Tata AIG health insurance with a dental cover, take a look at the coverage offered by the dental plan to know what treatments and procedures are covered and choose your dental plan accordingly.

Why Do You Need Dental Health Insurance?

Just like healthcare, dental care is also becoming expensive with time. Even the simplest dental procedures such as tooth-fillings can be quite costly while other major procedures can majorly affect your savings. These are a few reasons why dental healthcare can be quite costly:

1.Inflation

2.Specialised lab setup

3.Professional’s skills

4.Consumables for treatment

To ensure that you do not have to dip into your savings or cut down on your essential expenses for dental treatments, it is recommended that you opt for a dental health insurance plan. While many health insurance policies in India offer dental cover, it is important to choose a health policy whose dental plan offers the coverage, benefits and features you need.

For example, if you want to be covered for only in-patient dental treatments, then the Tata AIG MediCare health insurance policy, as well as the Tata AIG MediCare Premier health insurance with dental cover 210 SV, covers the hospitalisation expenses for dental procedures under anaesthesia due to illnesses, injuries and accidents.

On the other hand, OPD dental treatment offers a coverage of up to ₹10,000 for the cost of tooth extractions, root canals and filling, subject to you availing yourself of the dental health insurance plan for two consecutive years.

Features of Tata AIG Dental Insurance

If you are looking for dental insurance in India, Tata AIG’s health insurance plans – Tata AIG MediCare health insurance and Tata AIG MediCare Premier health insurance – offer dental insurance coverage for in-patient dental treatment as well as OPD dental treatment. Let’s take a look at some of the features of Tata AIG dental insurance:

  • We offer dental insurance coverage up to ₹10,000 per year for dental procedures like root canals, extractions and fillings.
  • The cost of dental treatments in hospitals under anaesthesia caused due to accidents, illnesses and injuries are covered under cashless health insurance.
  • Our 7200+ network hospitals in India ensure that you can avail of cashless treatment on your dental insurance plan anywhere.
  • You can choose from two health insurance policies to select a dental care insurance plan of your choice.

Benefits of Health Insurance that Covers Dental Treatments

Dental health insurance is not easy to come by in India but you can always find a good dental insurance cover by choosing a good health insurance plan. Since there are no standalone dental insurance plans available, you need to compare health policies and check their features, benefits and coverage to choose a good health insurance plan. At Tata AIG, we offer two comprehensive health insurance plans – Tata AIG MediCare and Tata AIG MediCare Premier that also include a dental care insurance plan cover. By choosing a suitable health insurance plan, your Tata AIG dental care insurance plan can offer the following benefits –

  • Cover expensive dental treatments

Most dental procedures are quite expensive and every trip to the dentist can affect your savings. Tata AIG’s comprehensive health insurance with dental cover that can offer adequate coverage for OPD dental treatments and also in-patient dental treatments.

  • Maintain good dental health

With a dental insurance plan, you can monitor your dental health from time to time and keep your teeth healthy so that you can avoid unnecessary pain. With sufficient dental insurance cover, you need not hesitate to go to the dentist with any tooth problems.

  • Cashless hospitalisation

For in-patient dental treatments where you need to be hospitalised and treated under anaesthesia, you can avail of your treatment at any of our 7200+ network hospitals in India for cashless hospitalisation. We will settle the bills with the hospital on your behalf!

  • Tax benefits on your health insurance

Apart from receiving coverage for your dental treatments, you can enjoy tax benefits on your health insurance plan like annual tax savings of up to ₹25,000 on your health insurance premiums under Section 80D of the Income Tax Act. Hence, your dental health insurance cover can also save you some money on taxes!

Recommended Dental Insurance Plans

Tata AIG offers two health insurance variants from our MediCare line of health plans that offer health insurance with dental cover:

  • Tata AIG MediCare
  • Tata AIG MediCare Premier

Dental Insurance Coverage

We make at least a few trips to the dentist’s clinic in a single year. While these procedures may be minor and could just be restricted to routine check-ups, over a period of time, the costs start piling up. Dental insurance plans in India are not available as standalone policies, which is why a lot of people are not aware of dental insurance coverage.

However, at Tata AIG, we offer dental coverage for in-patient as well as out-patient dental treatments through our health insurance plans – Tata AIG MediCare and Tata AIG MediCare Premier.

Tata AIG MediCare offers dental surgery insurance coverage for in-patient dental treatments. For such treatments, you need to be hospitalised at any of our network hospitals and have to undergo the procedure under general anaesthesia. In an unfortunate situation, if you need to be covered for an in-patient dental procedure resulting from an accident, illness or injury, the Tata AIG MediCare is a good choice.

Tata AIG MediCare Premier offers health insurance with dental cover 210 SV of up to ₹10,000 per year on outpatient department dental treatments such as fillings, extractions and root canals, provided you have availed of the cover for two consecutive years. Apart from that, the plan also offers coverage of in-patient treatments and procedures in case you need to be hospitalised at one of our network hospitals for dental surgery.

How to File a Claim?

At Tata AIG, we offer a swift online process for filing claims. To know how to claim dental insurance, you can follow the steps below –

If you have received treatment at a network hospital and want to avail of your dental surgery insurance

  • Write an email to us with your cashless claim form at least 48 hours before you are hospitalised.
  • We will verify your details, get in touch with the hospital and send you a confirmation.
  • Once you are admitted to the hospital, show them the confirmation and your health card.
  • We will settle the payment with the hospital on your dental insurance plan.

If you have to go to a network hospital for an emergency

  • Inform the network hospital or let us know about the emergency treatment.
  • Send us and the third-party hospital administrator (TPA) your policy number.
  • We will check the details and settle the claim as per your dental coverage.

For Out-Patient Department treatments

  • After your dental procedure, verify all the details and pay the bills.
  • Ensure that the treatment/procedure is covered under your dental coverage.
  • Send the claim form along with the documents and bills or get in touch with us on 1800 266 7780.
  • We will verify the claim and settle the reimbursement.

Things to Remember when buying Dental Insurance

In India, since dental health insurance is a part of most health insurance policies, it is important to ensure that the health insurance plan you buy includes a dental insurance cover that meets your needs. And this is why, our two health insurance policies, namely, Tata AIG MediCare and Tata AIG MediCare Premier offer dental insurance coverage as per your requirement. Here is what you should look out for while purchasing a dental cover:

  • Adequate coverage: Look out for a suitable health plan that not only includes a dental cover but also offers sufficient coverage for the treatments and procedures covered. Tata AIG’s MediCare Premier covers procedures such as root canals, extractions and fillings with a cover of up to ₹10,000 per year.

  • Compare the plans: By comparing the different health insurance policies, you can find out which dental insurance policy suits your needs better. For example, if you need coverage only for in-patient dental treatments as well as other procedures such as tooth fillings, extractions and root canals, Tata AIG’s MediCare Premier health plan can be a suitable pick.

  • Check the inclusions: Your dental insurance policy may cover preventive care treatments, routine dental check-ups, basic oral healthcare treatments and essential oral healthcare treatments. Read your policy document to check if the dental plan covers these check-ups and treatments and if there is any waiting period involved before you can avail of it.

  • Understand the exclusions: A dental insurance policy, like health insurance, also has some exclusions. Most dental insurance plans do not cover the cost of cosmetic treatments and surgeries and so, it is best if you read through the policy document and be better informed about the benefits.

  • Network hospitals: Dental procedures conducted under anaesthesia need you to be hospitalised since these could be a result of an injury, illness or an accident. Tata AIG has a network of 7200+ hospitals in India that make it easier for you to avail of in-patient dental treatment wherever needed.

While buying a dental insurance policy, it is also wise to carry out some research on the medical terms and names of the procedures so that you can easily read the policy document when purchasing the dental plan.

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Frequently Asked Question

What is stand-alone dental insurance?

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Stand-alone dental insurance is a dental insurance plan that provides coverage for dental procedures and treatments, including preventive care and check-ups. Though dental insurance is different from health insurance, a dental insurance cover is part of some health insurance plans in India. Therefore, Tata AIG provides a dental insurance cover for OPD dental treatment and in-patient dental treatment under its MediCare and MediCare Premier health insurance plan.

Is the root canal covered by dental insurance in India?

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Yes, dental procedures like root canal procedures, extractions and fillings are part of OPD dental care and are covered under Tata AIG’s MediCare Premier with a cover of up to ₹10,000 per year.

How to choose the best dental insurance?

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You can choose the best dental insurance by comparing various dental insurance plans on the basis of their coverage, features and benefits. For example, the Tata AIG MediCare Premier health insurance with dental cover 210 SV covers in-patient as well as out-patient treatments with a coverage of up to ₹10,000 per year on OPD dental treatment.

However, if you are looking for a dental insurance plan that only covers in-patient dental treatment, you can go for the Tata AIG MediCare health insurance plan that offers dental insurance that covers hospitalisation costs.

Is dental treatment covered in mediclaim?

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Yes, dental treatment can be covered under mediclaim or health insurance policies. Tata AIG offers the MediCare and the MediCare Premier health insurance policies which offer a dental cover that includes OPD dental treatment and in-patient dental treatment.

Why should I have dental insurance?

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Dental insurance is necessary, given the increasing healthcare and dental care costs. Tata AIG’s MediCare Premier health insurance covers the cost of a root canal, extractions and fillings and offers a cover of up to ₹10,000. However, these benefits come into effect after availing of the dental cover for two continuous years.

Additionally, this plan also covers in-patient dental treatment. This means you can be protected against hospitalisation costs for dental treatments under anaesthesia in case of an injury, illness or accident.

Does dental health insurance cover tooth extractions?

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Yes, under the Tata AIG MediCare Premier health insurance with dental cover 210 SV, OPD dental treatments like tooth extractions are covered for up to a maximum amount of ₹10,000.

Does dental health insurance cover dental implants?

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Depending on the policy and the coverage of the dental plan, dental implants may or may not be covered under dental insurance in India. However, an exception may be made in case the dental implant procedure needs to be conducted in case of an accident, injury or illness.

Does dental health insurance cover braces?

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No, dental health insurance does not offer coverage for braces since that comes under cosmetic surgery. Your dental insurance plan will only cover tooth extractions, root canal and tooth fillings.

What do you mean by OPD?

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The meaning of OPD is Out-Patient Department treatment. Under OPD treatments, you are not required to be hospitalised and the procedures will be covered as per your dental insurance plan. These treatments, such as root canal, tooth fillings and tooth extractions, can be carried out in a matter of hours at your dentist or doctor’s clinic and do not require the use of general anaesthesia as used during hospital procedures.

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