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Dental Insurance in India

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Thinking of buying a health insurance plan and spoilt for choice with all the options available? With the rising awareness of the need for health insurance among the population nowadays, there is an increase in the number of health insurance policies being sold. With the options and add-ons that insurers offer, individuals can opt to increase their cover as they grow older or based on their health requirements.

And while there are a lot of comprehensive health insurance policies that provide coverage for an array of medical conditions and treatments, very few offer dental insurance. Most health insurance packages offered in India do not offer coverage for dental procedures for both private as well as group (in most cases, company-paid) insurance policies.

So why is dental treatment receiving the proverbial cold shoulder from insurance companies in india? While there is no consensus as to the exclusion of dental cover from traditional health coverage, many believe that dental treatment does not come under the umbrella of health services as classified by insurers.

Another possible reason is a few policyholders could file claims for procedures that fall under cosmetic dentistry or opt for high-end dental procedures, resulting in insurers having to pay out large sums toward claim settlement.

What is Dental Insurance?

Dental insurance refers to the cover provided for dental procedures (not including cosmetic dentistry) that are deemed necessary by a medical professional. Procedures would be classified under either preventive or diagnostic. A few of the procedures that are covered under dental insurance include filling of caries, tooth extractions, dentures, root canal procedures, etc.

Dental Insurance in India

Dental Insurance Coverage in India:

In India, there are very few insurance providers who cover dental procedures, with none of the major insurance companies offering dental insurance as an exclusive cover. More often than not, dental treatments are covered in the event of an accident and would be limited to repairing the damage caused by such. An example of such coverage is the Bharti AXA Smart Health Insurance Plan, which covers dental treatment up to a maximum of Rs.5,000.

OCare, an insurance Process as a Service (PAAS) platform has recently launched India’s first dental insurance plan. The plan provides insurance up to Rs.25,000 a year per person and covers pre-existing dental conditions as well. Additionally, the plan provides two dental check-ups a year as well as a loyalty card that is redeemable on dental services. With a view to making dental treatment accessible and affordable for all, OCare’s dental insurance plan is being launched in villages through the respective Gram Panchayats. In this way, it is hoped that individuals across India will have access to quality dental care with having to worry about the cost.

Another way insurers cover dental treatment is through out-patient department (OPD) treatments. Insurance companies that offer dental insurance will provide coverage for dental procedures up to a maximum limit as specified in the policy document only, irrespective of the dental procedure opted for. Additional terms govern this kind of coverage, however, further limiting their scope. This includes claims pay-outs for dental procedures after the second policy year only, among others.

In the case of OPD treatment policies, policyholders will have to pay an additional premium, which is often very high. Thus, while some inroads are being made in providing dental insurance, comprehensive dental coverage is still not a reality in India.

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

Dental Insurance in India Reviews

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  • Apollo Munich Health Insurance
    "Good Protection for the family"
    0.5 5.0/5 "Blown Away!"
    Apollo Munch got tie up with Canara bank, I make Rs. 3600 for the policy cover 3 lakhs, it covers my entire family. It has the tenure of three years, it gives cover for all critical disease, cancer, dental etc. They got tie up with good hospitals.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 09, 2017
  • HDFC Ergo Health Insurance
    "Good Health Cover"
    0.5 4.0/5 "Great!"
    I received call from HDFC Ergo for health insurance, I paid the premium around Rs.10,500 it has medical coverage of Rs. 3 lakhs for two years. Its covers only for me, they tie up with good hospital, they are giving critical diseases cover expect plastic surgery and dental unless the accidental.
    Was this review helpful? 0
    , bangalore
    Reviewed on Nov 25, 2017
  • Max Bupa Health Insurance
    "Good "
    0.5 4.0/5 "Great!"
    I have taken the health insurance policy with the Max bupa general insurance company and I have not done up with any claims. The coverage value is around five lakh Rupees with the premium of around 500000 Rupees per annum, also it provides coverage except plastic surgery and dental treatment.
    Was this review helpful? 0
    , mysore
    Reviewed on May 09, 2017
  • ICICI Lombard Health Insurance
    "Good "
    0.5 3.0/5 "Satisfactory"
    I am having health insurance policy with the ICICI lombard general insurance and I had been with them from the last seven years of time. Medical coverage value clubbed together everything is there, except dental and eye related treatment. Treatment is good with the listed hospitals and I dont have any claim expeirence till date.
    Was this review helpful? 0
    , bangalore
    Reviewed on Feb 15, 2017
  • HDFC Ergo Health Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    Good policy coverage of HDFC ERGO, There was a best policy coverage of 5 Lakhs apart from the Severe Illness or Dental other Hospitalization for in patience or out patience its cover. I used to pay 500 to 700 rupees every month through ECS. Payment option was good and customer support for good for insurance there is a separate helpline number available.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 04, 2016
  • HDFC Ergo Health Insurance
    "No value at all"
    0.5 1.0/5 "Really Bad"
    I received a call related to Insurance from HDFC ERGO and they marketed their product to me.It was informed that maternity.diabetics and dental treatments are not covered under the Insurance so I asked them sometime for choosing the product.Later I took a decision as not to proceed with this.I was getting calls from the Insurance company and they were compelling badly for taking the product and I found the worst service given to the customer their.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 04, 2016
  • Religare Health Insurance
    "Good..."
    0.5 4.0/5 "Great!"
    For me the Religare Health give 80% of health coverage and for my parents they give 50% of coverage. No extra premium for my parents. Except dental and cosmetic surgery they cover most of the critical illness. Both in patient and out patient been covered.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 17, 2016
  • HDFC Ergo Health Insurance
    "Good coverage "
    0.5 4.0/5 "Great!"
    HDFC ERGO provide benefits around 15lakhs as the coverage in the Insurance.They give coverage for dental and other accidental benefits in the plan.They also provide amount in the rest period of accident.I have to pay a premium around 4100Rs for the Insurance
    Was this review helpful? 1
    , vijayawada
    Reviewed on Mar 12, 2016
  • HDFC Ergo Health Insurance
    "Good...."
    0.5 4.0/5 "Great!"
    On basis of credit card I got the health insurance. I got a marketing call for this insurance. They give the settlement if we hospitalized for 24 hours and major operations are covered. We can claim up to ten lakhs. Pregnancy, HIV, dental and some more disease are not been covered by HDFC Ergo.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 10, 2016
  • United India Health Insurance
    "happy"
    0.5 4.0/5 "Great!"
    I have a health insurance with United India Insurance. It was actually taken by my company. It covers the dental and skin diseases. The benefit is every year I need to pay 10% of the amount and the 90% could be claimed. I am happy with this policy.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Mar 08, 2016
  • Bajaj Allianz Health Insurance
    "It is good.."
    0.5 5.0/5 "Blown Away!"
    Have not used the benefits of Bajaj Allianz general insurance and as on my knowledge the dental is not covered on the list. Basically it is a company health insurance. Network hospitals are plenty and four hospitals are closer to my residence. My parents are not covered and only spouse and children are covered with the coverage of 10 lakhs.
    Was this review helpful? 0
    , pune
    Reviewed on Feb 29, 2016
  • Star Health Health Insurance
    "Good.... "
    0.5 3.0/5 "Satisfactory"
    Basically the benefits for health insurance is very good at Star Health&Allied Insurance. Medical coverage is 5lakhs and dependents are only two where myself and my mother will be covered. Dental, eye and other diseases also been covered. Premium is around 5 thousand.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 12, 2016
  • New India Health Insurance
    "Good for medical insurance..."
    0.5 4.0/5 "Great!"
    My friend is an agent of New India Assurance. Basically everything is covered and it is infact a cashless. Pregnancy, dental, cosmetic surgeries are not included, I guess. I can claim up to 5 lakhs for my entire family. In fact this is a group health insurance plan.
    Was this review helpful? 0
    , faridabad
    Reviewed on Feb 05, 2016
  • United India Health Insurance
    "Good so far...."
    0.5 4.5/5 "Excellent!"
    My company is an employee friendly and they gave very nice health insurance from United India Insurance. For employee and for their entire families my company is paying. Coverage is five lakhs for an employee and five l lakhs for dependents. Dental and eye surgery is also been covered.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 28, 2016
  • Oriental Insurance Health Insurance
    "satisfied..."
    0.5 4.0/5 "Great!"
    If we admit in the hospital for more than 24 hours we can claim and the Oriental Insurance reimburse the complete amount. But now I have to make 10% and they reimburse 90% on the bills. Dental related problems are not covered and few other things are also not covered on the health insurance.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 27, 2016
  • Cigna TTK Health Insurance
    "satisfied..."
    0.5 3.5/5 "Pretty good"
    Until now I did not deal with the Cigna TTK for the health insurance. One of the best things about Cigna TTK is the cashless treatment and another particular thing is coverage for dental. I believe, the medical coverage value is near about 2.5lakhs.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 27, 2016
  • United India Health Insurance
    "so far good..."
    0.5 4.0/5 "Great!"
    From my company I got this and every year they keep changing the company. I can claim with all the network hospitals. Room rent is also claimable. Dental and eye, United India Insurance does not cover and they will not reimburse. Till date no claim so no much experience with them.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2016
  • National Insurance Health Insurance
    "Dental is not covered..."
    0.5 4.0/5 "Great!"
    Very good service and wonderful communication as people would get immediate response. The National Insurance has offered this health insurance for my whole family members and total coverage is 5 lakhs. Yearly we can go for free medical check ups. They are not covering dental.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 21, 2016
  • Star Health Health Insurance
    "Very good..."
    0.5 5.0/5 "Blown Away!"
    I am eligible to claim upto the amount of 3 lakhs as this been provided by my company. The person who done my health insurance is taking care of everything and keep informing about all the things. I also referred four member for this Star Health&Allied Insurance. For dental and maternity they are not giving coverage.
    Was this review helpful? 0
    , bhubaneshwar
    Reviewed on Jan 16, 2016
  • Max Bupa Health Insurance
    "Regding services & benefits by max bupa health insurance com"
    0.5 4.0/5 "Great!"
    I am policy holder of M/S Maxbupa health insurance co &my experience is a very good & I have got 8 claims from the company. When I have gone through some of reviews it is noted that some of clamants have disclosed their bad experiences . In this regard the following points has to be noted before buying policy 1) while filling proposal forms all Infmn asked for should be furnished correctly which would be basis for all the claims.2)Since limited base cover will be provided by the employer by buying from the insurer on reduced rates & claims will be processed on 80%/90% depending on rate of premiums.3) All pre existing diseases covered only after 4 yrs. 4) it is better to buy the policy by calling their agent & call for terms& conditions,then procd further instead of online,banks etc as they may not able to get satisfactory details,sometime agents/officials in order to reach targets thy may disclose Infmn fully.5) No out patient trmnt& dental trnt allowed as done by other cos.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 25, 2015
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