With the cost of dental care continuing to rise, it’s important to have coverage that won’t break your budget. Fortunately, you can find affordable dental insurance plans in India. If you don’t have dental coverage through your employer or school and are looking for something affordable and comprehensive, you’ve come to the right place. To learn more about our various affordable dental insurance plans and how to enroll, keep reading.
What is affordable dental insurance?
Affordable dental insurance helps you cover the cost of dental services. The amount you pay out of pocket for dental care varies depending on the plan you choose. Furthermore, you can select a plan that provides more coverage or less coverage based on your needs and budget. A dental insurance plan can cover a wide range of oral health services, including preventive dental care and treatment for oral conditions, such as cavities, gingivitis, or periodontal disease. In some plans, you may have a lifetime maximum benefit on covered dental services.
What to look for in an affordable insurance plan?
Coverage: Firstly, is the coverage you’re looking for included in the plans offered by the provider? If so, what is the amount of coverage?
Premium: Secondly, how much does the dental plan cost each month? – Waiting period: Does the plan have a waiting period, and if so, how long is it?
Out-of-pocket maximum: How much will you have to pay out of pocket in a given year? What services this plan coverd?
Does the plan offer a dental savings account? What restrictions or exclusions are included in the plan? Is the plan accepted by the dentist you want to visit?
Dental Insurance Coverage Plan
To choose the best dental insurance plan, you can compare plans from different insurers online on Policybazaar.com based on coverage, premium, benefits, etc. Furthermore, if you’re looking for an affordable dental insurance plan, you’ll find plenty of options in India. Most health insurance companies in India do not provide any coverage for dental procedures as they fall under the cosmetic treatment category.
In India, dental coverage is usually not a part of a basic health insurance policy. However, it can be covered under an Out-patient Department (OPD) cover (subject to availability) by paying an additional premium. For example, some health insurance policy might cost you Rs. 10,000 annually upwards.
Does Tata AIG cover dental treatment?
Yes it is. Tata AIG offers the MediCare and the MediCare Premier health insurance policies which offer a dental cover that includes OPD dental treatment and in-patient dental treatment.
Why dental treatment not covered by health insurance?
This reality of health insurance leads to two interconnected reasons why dental isn’t included in medical insurance: the threat to the fiscal solvency of insurance companies and the possibility of inflated healthcare premiums. The hallmarks of dental care are prevention and maintenance.
In India, dental coverage is usually not a part of a basic health insurance policy. However, it can be covered under an Out-patient Department (OPD) cover (subject to availability) by paying an additional premium. For example, your health insurance policy might cost you Rs. 10,000 annually.
What is medical dental?
The Medi-Cal Dental Program covers a variety of dental services for Medi-Cal beneficiaries, such as: Diagnostic and preventive dental hygiene (e.g. examinations, x-rays, and teeth cleanings);
Conclusion
At the end of the day, dental coverage is essential. It helps you receive needed dental care and services when you are sick or have a dental emergency. With the rising costs of dental care, it’s important to have coverage that won’t break your budget. Fortunately, you can find affordable dental insurance plans with Delta Dental. For best results, select a plan that provides coverage for a wide range of services, has a low monthly premium, and has no waiting period.
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