Dental insurance plans are one of the most affordable health insurance plans. Because no one plans to hurt their teeth. But dental and medical costs can burn your hands if you experience pain in your teeth. Regular dental exams are very necessary to identify the problems before they convert into major.
If you have the best dental insurance plan, you can easily go for the regular dental examination. Many best health insurance companies offer dental coverage in their premium health insurance plans, and many offer you separate dental insurance.
So, if you are wondering whether you opt for the dental insurance plan or not, then you have come to the right place. In this blog, we are going to show you the right side of the best dental insurance in India. So, let’s get started.
What is Dental Insurance?
Dental insurance is a type of health insurance that offers coverage against oral health problems. It covers routine dental checkups, accidental teeth damage, bracing, root canal, and other oral health problems. Cosmetic dental services will not be covered by dental insurance. If dental health is important to you, then it is advisable to opt for the best dental insurance in India.
If you have made up your mind to opt for the dental insurance, but don’t know which is the best insurance plan that perfectly matches your requirements, you have come to the right place. Now we are going to tell you about the best dental insurance plans in India.
Best Dental Insurance Plans in India
Here, we are talking about a list of the best dental insurance plans and overage companies, which are the top dental insurance providers in India.
- Bajaj Allianz Health Guard Policy
- Apollo Munich Maxima Health Insurance
- Bharti Axa Smart Health
- LIC Health Protection Plus
- SBI Life Smart Insurance
Let’s talk briefly about the above top dental insurance plans coverage providers companies in India.
In India, there are a few health insurance companies that offer dental insurance to their customers. All the reputed and comprehensive top dental insurance plans coverage providers companies are listed below-
1. Bajaj Allianz Health Guard Policy
It is one of the most popular dental insurance plans in India. This plan is designed by Bajaj to meet the requirements of the customers. It can be customized as per the customers’ needs. In this plan, you will get dental surgery and all the important oral health treatments.
In the event of an accident, your teeth get harmed the coverage for this is offered by the company. Many health insurances don’t give you accidental oral health benefits in a basic health insurance plan. That’s why individuals opt for the separate dental insurance plan. But it covers not only minor and major health problems but also oral health problems.
Feature of Bajaj Allianz Health Guard Policy
- 6000+ hospitals are covered in this health insurance plan across India.
- It offers a high claim settlement ratio, and premiums are very affordable.
- The fund will be transferred to a nominee if a policyholder is no more.
- It comes under the tax deduction section act.
- Dental treatment plans can be offered under the OPD expense cover.
- The minimum age required for this plan is 18 years, and the maximum is 60 years.
- One hundred thirty days of coverage are offered by this health insurance plan.
- The claiming process is hassle-free because the facility is available around the clock for the customers.
2. Apollo Munich Maxima Health Insurance
After the Bajaj Allianz Guard insurance plan, it is one of the most preferred dental insurance plans in India. Because it covers not only the major health problems but also small illnesses like sore throat, cough, viral infections, headache, and tooth sensitivity. In this plan, you will get a stay health package which manages your diet plan, tracks your appointments with doctors, and provides e-storage medical report facilities.
So, if you are looking for the best dental insurance plan in India that offers you comprehensive coverage at an affordable premium rate, then opt for this dental insurance plan.
Features of Bajaj Allianz Health Guard Policy
- The minimum age to avail of this plan is 18 years, and the maximum is 60 years.
- This issue period for this year is 1 year.
- The cost of a diagnostic test is covered in this plan.
- The fund will be transferred to a nominee if a policyholder is no more.
- Coverage for dental problems is also included in this plan.
- After you are discharged from the hospital, medical expenses will be covered by the company.
3. Bharti Axa Smart Health Plan
A major dental problem can take your hard-earned money and disturb your financial health completely. But if you have dental insurance like Bharti Axa Smart Health, you don’t have to worry about medical expenditure. It offers you maximum health coverage against the major and minor health problems. Besides benefits, the premium of this coverage is affordable.
So, if you are looking for the best dental insurance in India that offers you maximum coverage at an affordable premium, choose this plan. This dental insurance is designed for customers, which covers critical illness at fairly low rates.
Features of Bharti Axa Smart Health Plan
- The minimum age to opt for this plan is 18 years and the maximum is 65 years.
- Tax benefits you will get in this plan.
- The fund will be transferred to a nominee if a policyholder is no more.
- Major 20 health problems are covered in this plan.
- Over 4300 hospitals are covered under this plan.
- 24*7 support service is available for the claim settlement procedure.
4. LIC Health Protection Plus
If you are looking for an affordable health insurance plan for parents that also gives you coverage against dental problems, then LIC Health Protection Plus is the best choice for you. Your complete family health coverage will come under this plan. If you want Hospitalization Cash Benefit, then you can opt for this plan. Along with minor and major coverage, under this plan, you will get surgical coverage benefits. If a policyholder is no more, at the time of the maturity period, the fund will be transferred to the nominee.
Features of LIC Health Protection Plus
- The minimum age for applying for this plan is 18 years, and the maximum is 65 years.
- The fund will be transferred to a nominee if a policyholder is no more.
- Tax benefits you will get under this plan.
- Dental and surgical expenses are the highlights of this plan.
- Easy claim settlement procedure.
- Payment modes are half-yearly, quarterly, and yearly.
5. SBI Life Smart Insurance Plan
This insurance plan enables you to build wealth, with the flexibility of withdrawing from the monthly and life insurance plans. It gives you full-fledged financial protection for your family. Benefits you will get under these plans are surgical benefits, hospitalization, accidental coverage, and oral health problems. It also offers dental coverage when you travel. The premium of this plan is also affordable and provides you with the maximum coverage.
Features of the SBI Life Smart Insurance Plan
- The minimum age for applying for the plan is 18 years, and the maximum age is 65 years.
- The fund will be transferred to a nominee if a policyholder is no more.
- Tax benefits you will get under this plan.
- This plan does cover dental expenses.
- All the hospitalization expenses are covered by the company.
Benefits of Best Dental Insurance in India
Mr. Rima has recently experienced a toothache. Having experienced the pain for several days, she has now decided to consult with the dentist. Her dentist examined her teeth and recommended her very expensive surgery. At that time, if she had dental insurance, she didn’t have to worry about the cost of the treatment. But she has arranged a hefty amount for the dental surgery.
So, we hope you understand the benefits of buying dental insurance in India. Still, you are not convinced by this example, we would like to tell you the additional benefits of availing the request for the best dental insurance plans.
- If you only opt for the best dental insurance in India, you will get accidental dental coverage. In case of an accident, if dental surgery is required, you don’t have an additional amount like you do in the general medical insurance plan.
- Avoiding oral health will cause major health problems. Many people avoid it because its treatments are expensive. But if you opt for the best dental insurance plan you don’t have to worry about the cost of treatment cost. You can go for a checkup regularly and maintain a healthy life. If you don’t want to opt for dental insurance, you can also buy special medical insurance that offers you basic health coverage and dental coverage as well.
- People who don’t have the best dental insurance plan will have to pay an amount at every visit to the dentist. Right from the dental treatment cost to medicines, everything is expensive. You cannot invest your hard-earned money in the treatment. If you are a great financial investor in your home, you understand the importance of savings. It is very important to invest in medical insurance if you want to navigate unforeseen medical conditions. So, if you haven’t thought about medical insurance, then you must opt for the best dental insurance in India.
- Peace of mind is an important factor that encourages you to opt for the best insurance plan. Because it gives you maximum health cover, which allows you to go to the best hospital, and you don’t have to worry about the money. The medical insurance coverage you will get from the best dental insurance plans is remarkable.
Types of General Insurance Policies that May Cover Dental Insurance in India
The best Dental insurance plans come with many covers and benefits. When shopping for the best dental insurance plan, you will come across its general insurance policies, which we have mentioned below.
1. Individual Health Policies
This medical insurance policy is designed to cover pre- and post-medical expenses incurred around 30-60 days before and 90 days post of hospitalization. These medical insurance policies have dental insurance which you need to pay an additional premium to avail the benefits of the dental insurance. This also offers a cashless facility to the insured. The claiming procedure for individual health policies is very straightforward.
2. Surgery and Critical Illness Policies
In today’s life, buying basic medical insurance coverage is not enough to safeguard your life. We need to opt for a special medical insurance plan, such as surgery and critical illness. In case of accidents, the company will offer coverage of surgery expenses, and if you have dental insurance with it, your dental surgery expenses will be covered by it. The company will provide an amount to the policyholder to repay the surgical expenses in the hospital.
3. Family Floater Health Insurance Policy
This plan offers health protection not only for you but also for your family. Here floater means all family members get covered under an umbrella. If you are not willing to opt for the individual medical insurance plan you can go for the family floater health insurance policy. Because the medical insurance coverage is given to all your family members who are included in the insurance. By paying an extra premium, you can include the best dental insurance coverage in this plan.
4. Preventive Healthcare Policy
The best dental insurance plan offers screening and testing checkup services to its insured at no cost. It is slightly different than the basic medical insurance plan because it only covers the cost of the regular medical checkups and also covers dental treatment essentials.
5. Travel Insurance Policies
During the travel period, if dental-related health problems occur, then the travel insurance policy will settle the claim. If you pay an extra premium you can also maximize the cover of the medical insurance plan. It is one of the best dental insurance plans for travelers who often go on trips.
6. Personal Accident Cover
This medical insurance policy is designed to ensure financial stability for the policyholder’s family who gets injured in an accident or dies. It reimburses his medical costs, like pre- and post-hospitalization expenses in case of disability and death. It is one of the most important medical insurance plans that every professional rider should opt for.
Conclusion
We hope you understand the importance of dental insurance. The above-mentioned best dental insurance plans in India are very reliable, offer you maximum coverage at the premium rates. Avoiding dental insurance can burn your hands because it is one of the most expensive treatments. So, don’t neglect it.
