Best Dental Insurance in India

Dental insurance plans are one of the most affordable health insurance plans. Because no one plans to hurt their teeth. But, dental, medical cost 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 with 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 offers 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 which offers you coverage against the 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 in 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 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.

List of Best Dental Insurance Plans in India

Here, we are talking about list of best dental insurance plans and overages 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 talks in brief about above top dental insurance plans coverage providers companies in India.

Best Dental Insurance Plans in India

In India, there are few health insurances companies which offer dental insurance to their customers. All the reputed and comprehensive top dental insurance plans coverage providers companies are listed below-

Bajaj Allianz Health Guard Policy

It is one of the most popular best dental insurance in India. This plan is designed by the Bajaj to meet with the requirements of the customers. It can be customized as per the customers’ needs. In this plan, you will get a dental surgery and all the important oral health treatments.

In the event, in 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 the minor and major health problems but also oral health problems.

Feature of Bajaj Allianz Health Guard Policy

  • 6000+ hospitals cover in this health insurance plan across India.
  • It offers 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 is required for this plan is 18 years, and the maximum is 60 years.
  • One hundred thirty days covers are offered by this health insurance plan.
  • Claiming process is hassle-free because claiming the facility is round the clock available for the customers.

Apollo Munich Maxima Health Insurance

After Bajaj Allianz Guard insurance plan, it is one of the most preferred top dental insurance plan India. Because it covers not only the major health problems but also the small illness like sore throat, cough, viral, headache and tooth sensitivity. In this plan you will get stay health package which manages your diet plan, track your appointment with doctors and e-storage medical report facilities.

So, if you are looking for the best dental insurance plan in India which offers you comprehensive coverage at an affordable premium rate than opt for this dental insurance plan.

Features of Bajaj Allianz Health Guard Policy

  • The minimum age to avail this plan is 18 years and maximum is 60 years.
  • This issue period for this year is 1 year.
  • 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 the dental problems is also covered in this plan.
  • After you discharge from the hospital, medical expenses will be done by the company.

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 the 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 and choose this plan. This dental insurance is designed for the customers, which covers critical illness at fairly premium 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.
  • 24X7 support service are available for claiming settlement procedure.

LIC Health Protection Plus

If you are looking for an affordable health insurance plan that also gives you coverage against the dental problems than 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 benefit. In the event, a policyholder is no more, at the time of 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.

SBI Life Smart Insurance Plan

This insurance plan enables you to build wealth, the flexibility of withdrawing after monthly and life insurance plan. It gives you full-fledged financial protection to 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 SBI Life Smart Insurance Plan

  • The minimum age for applying for the plan is 18 years, and 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.

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 with its general insurance policies that we have mentioned below.

Individual Health Policies

This medical insurance policy is designed to cover pre and post medical expenses incurred around 30-60 days prior to 90 days post of the hospitalization. These medical insurance policies have dental insurance that you need to pay additional premium to avail the benefits of the dental insurance. This also offers cashless facility to the insured. The claiming procedure for the individual health policies is very straightforward.

Surgery and Critical Illness Policies

In today’s life buying a basic medical insurance coverage is not enough to safeguard your life. We need to opt for the special medical insurance plan such as surgery and critical illness. In case of accidents the company will offer the claim of surgery expenses, and if you have dental insurance with it, your dental surgery expenses will conclude in it. The company will provide amount to the policy holder to repay the surgical expenses in the hospital.

Family Floater Health Insurance Policy

This plan offers a health protection not only 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 extra premium you can include the best dental insurance coverage in this plan.

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’s only claimed the amount of the regular medical checkups and also cover dental treatment essentials.

Travel Insurance Policies

During the travel period if dental related health problems are occurred 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 the travelers who often go for the trips.

Personal Accident Cover

This medical insurance policy is designed to ensure financial stability to the policy holder family who get injured in an accident or dies.  It reimburses his medical cost 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 this.

Benefits of Best Dental Insurance in India 

Mr. Rima has recently experienced a toothache. Having experienced the pain from several days, now she has decided to consult with the dentist. Her dentist examined her teeth and recommended her surgery which is very expensive. At that time if she had a 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 benefit of buying dental insurance in India. Still you are not convinced with this example, we would like to tell you the more benefits of availing the request for the best dental insurance plans.

  • If you only opt for the best dental insurance India you will get the accidental dental coverage. In case of accident if dental surgery is required you don’t have an additional amount like you give in the general medical insurance plan.
  • Avoiding an oral health will cause major health problems. Many people avoid 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 the checkup regularly and maintain a healthy life. If you don’t want to opt for the dental insurance you can also buy special medical insurance which offer you the basic health coverage and dental cover 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 end money on the treatment. If you are great financial investor of your home you understand the importance of the savings. It is very important to invest in the medical insurance if you want to navigate from the unforeseen medical conditions. So, if you haven’t thought about the medical insurance then you must opt for the best dental insurance in India.
  • Peace of mind is an important factor that encourage you to opt for the best insurance plan. Because it gives you a maximum health cover that allow you go for the best hospital doesn’t have to worry about the money. The medical insurance coverage you will get from the best dental insurance plans are remarkable.

Conclusion

We hope you understand the importance of dental insurance. 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.

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About FinanceGAB

Ajeet Sharma is a financial blogger and I am blogging since 2017. Financegab is a personal blog dedicated to personal finance. The main aim of this blog to help people to make well-informed financial decisions.
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