Dental Insurance Cover in India
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Coverage up to ₹5 Crores
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10,000+ Network Hospitals*
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24/7 Dedicated Claim Support
What is Dental Insurance?
Dental surgeries, such as tooth replacement, tooth repair work and extractions, are physically and financially draining in India. A single trip to the dentist can cost thousands, so many people limit their visits to emergencies.
However, with dental insurance coverage in India, you can enjoy financial protection for any necessary dental treatment without spending a lot. Thus, dental insurance is a crucial investment for families and individuals today.
If you are looking for the best dental insurance in India, explore IndusInd General Health Insurance with dental cover to reduce your medical expenses with the right financial safety net.
Dental insurance is a type of health insurance that covers dental treatments, helping you manage your medical expenses better. Unlike the standard health insurance plans, dental insurance plans primarily focus on oral health treatments for healthy gum and teeth.
With the necessary insurance for dental treatment, you can access quality treatments and secure your expenses. This will ensure your oral health is in check to contribute to your overall well-being
Why is Dental Insurance Important?
How Does Dental Health Insurance Work as A Health Insurance Add-On?
Dental insurance is not a standard insurance product under the health insurance category. Instead, most insurers in India offer dental insurance as a health add-on cover with their health insurance policies.
For instance, IndusInd General Insurance offers a wide range of health insurance plans, most of which offer dental cover as an add-on for customisation. This means you get extensive coverage for different medical expenses.
In addition, you get the option to increase this coverage by adding dental cover in a health insurance policy of your choice. With this dental insurance with health plans, you can benefit from the following -
Extensive financial coverage for all medical requirements and emergencies.
Affordable dental treatments.
Better access to quality dentists for surgeries and other requirements.
Improved oral health due to increased accessibility of preventive care services.
Better money management for emergency dental treatments.
Cashless hospitalisation flexibility.
Customised health insurance plan.
Lower premium for health insurance dental cover, as opposed to buying a stand-alone dental insurance plan.
Why 5 Crore+ Policyholders Choose Us?
Our doctor-designed plans keep pace with medical advancements to ensure you have access to the most effective treatments available today and cater to your every need. Each health insurance plan can also be customised to your unique medical needs, giving you truly personalised protection. For instance, we have plans that offer protection from ₹3 Lakh to ₹5 Crores, unlimited SI restoration and a short 12-month waiting period* for pre-existing disease coverage. Our plans also offer India and global coverage.
With AI-led insurance solutions, a fast, efficient and seamless claims process and a customer-first approach, we make sure you receive the care you deserve.
Up to 40% Off on Premiums*
More coverage & more savings!
24x7 Customer Support*
Quick support anywhere!
Over 10,000 Hospitals*
Quick cashless claims pan-India!
AYUSH & Modern Surgery
Get 100% SI coverage for both*
Types of Dental Treatments in Health Plans
In India, dental care coverage may vary depending on the type of health insurance policy you choose.
If you select a stand-alone dental insurance plan, the coverage available may be higher with more inclusions. On the other hand, as most Indian insurers, such as IndusInd General Insurance, offer insurance for dental treatment under their health plans, the coverage may be lesser.
Preventive Care: Regular check-ups with the dentist, Tooth examinations, OPG Dental X-rays, Teeth cleaning (fluoride treatment)
Major Surgeries: Root canal, Tooth fillings, Crowning, Tooth extractions, Braces, Implants
Insurance Under IndusInd Dental Insurance Plans
To get dental health coverage with us, you can choose our OPD add-on cover, which is available with some of our health plans, to get the necessary protection. Any of our IndusInd Health plans offer coverage for inpatient dental surgeries if an injury is incurred due to an accident.
IndusInd Health Infinity Insurance
Our IndusInd Health Infinity Insurance offers OPD coverage for dental treatments.
IndusInd Health Gain Insurance
Our IndusInd Health Gain Insurance offers basic coverage for OPG dental X-rays under its preventive coverage for up to ₹3,000 every policy year.
IndusInd Health Global Insurance
Our IndusInd Health Global Insurance covers dental consultations, surgeries, diagnostic tests, gum disease treatment, and medicine costs.
IndusInd Arogya Sanjeevani Policy
Our Arogya Sanjeevani Policy offers dental coverage under the base policy inclusions, provided it is a disease—or accident-led dental requirement.
When you choose any IndusInd health insurance with dental cover, you benefit from an extensive financial safety net. This not only protects you from hefty dentist bills but also covers you for all other medical expenses without any hassle.
Benefits of IndusInd Dental Insurance
IndusInd General Dental Insurance - Key Inclusion & Exclusion
What's Covered?
Preventive check-ups with dentist
X-rays and other diagnostic tests
Fluoride treatments
Inpatient treatment costs (if injury due to an accident)
Consumables cover for treatment (as an add-on)
Outpatient treatments (as an add-on)
Medicine costs (based on the type of plan)
What's Not Covered?
Inpatient dental treatments for non-accidental or self-inflicted injuries
Tooth implants
Pre-existing dental issues
Prosthesis
Alignment of the jaw
Dentures
Orthodontics (like braces cover)
Need Help?
One quick call = years of savings
How to Choose a Health Insurance Plan with Dental Coverage?
Assess your Needs
The first thing to do is assess your coverage needs and budget. This includes understanding the level of dental coverage you need along with other medical coverage. You can choose between basic preventive care coverage, other extensive dental treatments, or both.
Compare Health + Dental Insurance Plans
Once you have a clear understanding of what you are looking for, you must compare different plans to choose the best health insurance with dental coverage. This will help you find a plan that aligns with your needs and budget.
Check for Claim Convenience
While choosing an insurer, you must check the availability of online claim filing convenience. This will save you a lot of time and effort during emergencies. In addition, assess the customer support provided by an insurer to make a beneficial decision.
Read Policy Wording
You should also read the policy document thoroughly to understand the policy inclusions, exclusions, terms and claim eligibility. This will help you choose the best dental plans based on your specific needs.
Things To Remeber Regarding Your Dental Insurance
How to Buy Dental Insurance Online?
Step 1 - Visit our > Select “Health” > Enter your personal information accurately.
Step 2 - Once done, click on “View Prices” to check the different health insurance plans.
Step 3 - Explore the online dental coverage policies offered and check for dental coverage.
Step 4 - Once done, select the plan you want, choose the OPD add-on, and select any other add-ons.
Step 5 - If the final quotation is satisfactory, make the premium payment online to purchase dental health insurance.
How to Add Dental Insurance to Your Existing Health Plan?
Step 1 - Go to our > Select “Health” > Click on “Renew Your Existing Health Insurance Policy.”
Step 2 - On the next page, add your mobile number or policy number and the necessary information in the space provided below.
Step 3 - Once done, tick the Terms and Conditions option and click on “Go”.
Step 4 - Your existing policy will open. Here, add OPD cover or dental insurance as an add-on to your base coverage
Step 5 - If satisfactory, make the updated premium payment to receive your renewed health insurance for dental treatment via email.
Tips for Buying Dental Insurance
Dental check‑up cover
Choose a plan that offers free or cost-effective coverage for routine dental check-ups.
Diagnostics & X‑rays cover
Opt for a dental health coverage health plan that includes diagnostic tests, X-rays and other basic dental treatments in its base coverage inclusions.
Major dental procedures
For higher financial protection, choose a plan that offers extensive coverage for major dental procedures such as fillings, extractions, root canals, etc.
Dental waiting period
Read the policy wordings carefully to understand the waiting period for dental coverage, as it varies from policy to policy.
Mandatory deductibles
Many insurers impose a mandatory deductible percentage for dental coverage. Check this properly to choose a plan that aligns with your needs and financial capacity.
Customisable dental add‑ons
Opt for health insurance with a dental cover that offers customisation flexibility and other add-ons to help you personalise your health plan.
Eligibility Criteria For Dental Insurance Plans
Dental Insurance Eligibility | Details |
|---|---|
Age | 18 to 65 years (for adults) 91 days to 25 years (for dependent children) |
Waiting Period | 15 to 30 days (based on the type of plan, there might be a specific waiting period for dental coverage) |
Policy Tenure | 1, 2, or 3 years |
olicy Coverage for | Individuals Families (self, spouse and children) |
Documents Required for Health Insurance With Dental Insurance
As IndusInd General Insurance only offers dental coverage under our health insurance plans, the documents required to buy dental health insurance coverage are standard. The list of dental insurance documentation includes
Proof of age - Aadhaar card, passport, driving licence, etc.
Proof of identity - Aadhaar card, PAN card, driving licence, etc.
Proof of address - Aadhaar card, utility bills, rental agreement, etc.
Any previous medical reports
Valid evidence of pre-existing conditions
Completion proof of the CKYC (Central Know Your Customer) process
How is Dental Insurance Premium Calculated?
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Pre-Existing Conditions
Health dental insurance coverage requirements differ for people with and without pre-existing conditions. For instance, people with dental issues might have to pay a higher premium than people with no issues. This is because people with pre-existing dental conditions will have a higher need for dental treatments.
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Type of Coverage
The type of coverage plays a big role in your dental insurance premium calculation. If you are buying a stand-alone dental insurance policy, your premium might be lower due to the limited coverage available.
On the other hand, if you buy a health plan with dental insurance coverage as an add-on, your dental insurance cost calculation may be slightly higher.
Factors that Affect Your Dental Insurance Premium
Health insurance starting at just ₹243 per month*!
From Hospital to Home, We’ve Got You Covered!
Access quality medical care without worrying about medical costs. With IndusInd General Insurance, you're covered from health checkups to surgeries!
Average Cost of Dental Procedures in India
| |
|---|---|
Dental Consultation | |
Routine dental check-ups | ₹1500 - ₹4500 |
Wisdom tooth extractions | ₹4000 -₹10,000 |
Root canal cost without insurance | ₹5000 - ₹11,000 |
Dental crowning | ₹5000 - ₹12,500 (depending on the type and number of crowns) |
Fillings | |
Fluoride treatment (cleaning) | ₹1500 - ₹3000 |
Dental implants | ₹20,000 - ₹50,000 (per implant) |
Dental bridge cost without insurance | ₹10,000 - ₹30,000 (per bridge) |
Braces | |
Impact of Insurance on Dental Procedure Cost in India
Your expenses can be reduced significantly depending on the type of health insurance plan and dental coverage you choose. Some potential savings with a health insurance plan with dental cover include -
The cost of routine dental check-ups can be reduced to ₹500-₹1000, or you can avail of it free of cost, as you get preventive coverage for ₹3000.
Depending on the type of coverage you choose, the cost of major dental treatments can be reduced to approximately half of the actual cost.
Many dental clinics offer various service discounts to IndusInd General Insurance policyholders, which can help you avail of free doctor consultations and up to 15% off on other services. (Check the specific clinic eligibility with IndusInd before claiming)
Preventive Dental Care and Its Insurance Benefits
Preventive dental care coverage is available in many health insurance policies and is a significant benefit for policyholders. Within this coverage, the common inclusions for some of the top dental plans include -
Regular dental check-ups (annually)
Tooth cleaning services (fluoride treatment)
Dental X-rays and other general diagnostic tests
With this preventive dental coverage offered under top-rated dental insurance plans, you can benefit from the following -
Early dental issue detection for prompt treatments
Improved oral hygiene and overall health
Reduced risk of expensive dental treatments due to late detection
Lower risk of gum issues and deep cavities
Relevant Links for Health Insurance
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Disclaimers:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. The details mentioned above are for multiple products such as Health Gain Health Insurance Policy UIN -RELHLIP21514V022021, Health Infinity Insurance UIN -RELHLIP21521V032021, IndusInd Health Super Top Up UIN- RELHLIP21617V012021, IndusInd Health Global UIN: IRDAN103RP0001V01202324, Corona Rakshak Policy, IndusInd General Product UIN - RELHLIP21093V012021 and Corona Kavach Policy, IndusInd General Product UIN -RELHLIP21092V012021.
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