Remember that even if your dental treatments are covered, they will come with limits, which are not much
Most health insurance policies do not cover dental treatment, and that can be an issue, as dental treatments can be expensive. Also, recently, the connection between dental issues and heart conditions has come to the fore, so it is more important to take care of your dental health. Dental treatments like root canals can be expensive, so having dental insurance is crucial.
Here is what to look for when selecting a health insurance with dental coverage in 2025.
Comprehensive coverage: Look at the plan that covers a wide range of dental treatments and procedures, like root canals.
OPD benefits: This coverage needs to come without patient department (OPD) benefits, as most of the dental treatments are an outpatient affair. This way, routine dental checkups will also be covered.
Add-ons: Some policies may come with add-ons that you can customise. Here, you can add certain features to your policies. It could either mean you can cover your family, lessen waiting periods, and so on.
How To Find The Right Policy
Use Online tools: Many comparisons let you compare medical Many websites allow you to compare medical insurance plans. These let you identify the best policies that include dental coverage.
2. Read the Fine Print
It is very important to read the policy document very carefully and understand what is covered in the policy and the exclusions. Also, you need to understand the waiting period and the claim processes.
Check Reviews And Ratings: Check reviews and ratings of insurers to find out how reliable they are and their customer service.
Consult an Expert: If you are still unsure, consult an insurance advisor or your financial planner.
Sum Assured: Remember that even if your dental treatments are covered, they will come with limits that are not much. So, if the limit is Rs 15,000, anything over and above that will have to be paid from your own pocket. In such a scenario, it makes sense to evaluate whether it makes sense to pay a large extra premium for dental coverage.
So, first, check if your policy has health insurance coverage because some policies may have it covered. If it is not, go for a policy with OPD coverage and find out if dental insurance is covered under that. Find out which procedures will be covered and which will not be. Also, remember that even with such coverage, you must shell out a certain amount from your own pocket.