Oral health is crucial for general well-being but is usually neglected until something goes seriously wrong with teeth. Most people ignore regular check-ups at dental clinics because they are expensive, which may end up causing chronic problems. Similar to medical emergencies, where financial preparedness is a must, untimely problems with teeth can also create hefty bills. This is why dental insurance has to be included as part of a comprehensive health insurance policy.
The Growing Demand for Dental Coverage
Dental procedures and preeminent work, such as root canals, extractions, and surgeries, may cost a lot. In contrast to general medical bills, dental treatment is viewed as non-essential until something becomes serious. Oral health is strongly connected with general health; however, issues like infection, gum disease, and even cardiovascular disease can originate from poor oral care.
With the rising expense of dental treatments, having a health insurance policy with dental insurance can help considerably lower out-of-pocket costs. Opting for the right coverage ensures quality dental treatment within financial reach, motivating individuals to regular dental check-ups and treatments.
What Does Dental Insurance Cover?
Not every health insurance policy includes comprehensive dental coverage, so it is essential to know what is covered. From the information given, some of the crucial features of dental insurance are as follows:
- Dental Treatments and Procedures Coverage
Dental procedures can be expensive, especially when more than one must be done over time. A dental insurance policy covers in-patient and out-patient (OPD) dental procedures, lowering overall medical costs.
Some of the commonly covered procedures are:
- Root canals
- Fillings and extractions
- Anesthesia treatments for accidental injuries
- Preventive dental check-ups
- Preventive Health Check-Ups
Dental check-ups regularly catch possible problems early, minimising the need for extensive treatments later. Most health insurance policies now cover preventive dental check-ups as routine health check-ups.
- Assists in catching problems of oral health early
- It eases treatments and becomes less costly
- Qualifies for tax relief in case of specific insurance policies
- Cashless Treatment at Network Hospitals
One of the most essential advantages of a good dental insurance policy is the facility to get treated at network hospitals without paying in advance. This makes dental care hassle-free, and one does not have to plan funds at the last moment.
- Consumables Coverage
Specific consumables (such as medications, surgical tools, and medical disposables) may be required during hospitalisation for dental surgeries. Some health insurance policies cover these expenses, ensuring that policyholders do not bear additional costs.
- Tax Benefits on Health Insurance Plans
Buying a health insurance policy that covers dental insurance can bring monetary comfort through tax relief. Policyholders can avail tax benefits on their annual premiums under Section 80D of the Income Tax Act.
- Up to ₹25,000 as a tax deduction for individuals
- Up to ₹50,000 for senior citizens for their health insurance premiums
What is Dental Insurance Coverage
The amount of dental insurance coverage differs among policies. Some plans offer in-patient dental coverage, which covers surgical and dental care due to accidents or injuries. Other plans provide OPD dental coverage, which covers essential treatments like fillings, extractions, and root canals.
Essential Points to Keep in Mind While Selecting Dental Coverage
- Accident-Related Dental Treatment:Most health insurance policies cover in-patient dental care required due to accidental injury.
- Routine and Preventive Care:OPD benefits usually cover regular dental check-ups, cleanings, and minor procedures.
- Waiting Periods:Some insurance policies have a waiting period before dental benefits are payable. It is essential to check the waiting period before buying a plan.
Eligibility for Dental Health Insurance
While buying a health insurance policy that covers dental insurance, eligibility requirements may vary depending on the type of plan selected.
General Eligibility Requirements:
- For individual plans: Minimum age of 18 years, maximum coverage age of 65 years.
- For family floater policies: Dental cover can be taken by children even at 90 days of age.
Why Prioritising Dental Health is Essential
Most individuals forgo or procrastinate going to the dentist because of economic reasons. But poor oral health can cause some serious complications, including:
- Tooth decay and gum disease, which affect general health
- Infections that can transmit to other areas of the body
- Higher risk of cardiovascular disease associated with poor dental health
A comprehensive health insurance policy with dental insurance ensures that individuals and families can have good dental health without financial stress.
Conclusion
Purchasing a health insurance policy that includes dental insurance is financially secure and provides access to good dental care. From paying for costly procedures to encouraging preventive care, dental coverage is an integral part of good health. The correct plan with broad dental benefits enables individuals to maintain good oral health while preventing sudden medical bills.
