Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹200/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Dental Insurance

When it comes to standalone dental insurance plans in India, there aren’t that many options to choose from. Dental treatments are usually expensive due to the use of innovative material, lab set-up, inflation and the skill required. However, the good news is that various health insurance plans that offer dental insurance cover as part of their coverage options or as an add-on benefit. These companies offering dental insurance in India structure their general policies to include health advantage schemes or Mediclaim covers where oral care is covered. At times, one will be able to claim dental expenses along with other reimbursements like cost of hospitalization and cost of medicines.

Best Health Insurance Plans with Dental Insurance Cover in India:

Dental Health Insurance Plan

Sum Insured (Rs.)

Dental Insurance Cover


Aditya Birla Activ Health Enhanced Platinum Plan

Rs  Lakh- Rs 2 Crore

Dental Consultation/Investigation

View Plan

Bajaj Allianz Health Guard Gold Plan

Rs 3 Lakh- Rs 50 Lakh

Part of the base plan

View Plan

Bharti AXA Health AdvantEdge ( Royal & Apex Plan)

0/5% of SI or Rs 1 Lakh

Optional Benefit

View Plan

Chola MS Privilege Healthline  Plan

Rs 5 Lakh- Rs 25 Lakh

 Rs 10,000 every 2 yrs.

View Plan

Digit Health Insurance with Dental Cover


Outpatient Dental Cover

View Plan

Star Comprehensive Health Insurance Policy

Rs 5 lakh- Rs 25 Lakh

Outpatient Dental Cover ( Rs 5,000- Rs 10,000)

View Plan
See More Plans
Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Health Insurance Plans with Dental Cover

Check the dental insurance plans with their benefits as given below:

1. Aditya Birla Activ Health Enhanced Platinum Plan

Aditya Birla Activ Health Enhanced provides dental insurance cover for investigation and consultation in their Platinum variant. The sum insured is minimum Rs 2 lakh and goes up to Rs 2 Crore. Anyone between the age group of 18-65 years can buy this policy.

2. Bajaj Allianz Health Guard Gold Plan 

Bajaj Allianz health guard policy offers dental insurance cover in its Health Guard Gold plan. Dental treatment covers expenses to teeth or structures supporting teeth including surgery, crowns, examinations, extractions, and fillings (where appropriate).

3. Bharti AXA Health AdvantEdge Plan

Dental and OPD cover is provided in two variants of this plan i.e. Royal and Apex Plan. The limit for dental cover is 0.5% of the sum insured or up to Rs 1 lakh whichever is less. The dental coverage benefit includes in-network doctor consultation, in-network pharmacy, in-network diagnostics, and in-network physiotherapy.

4. Cholamandalam Chola Health Plan

It is a comprehensive health plan that covers outpatient dental expenses in its Privilege Healthline variant. The coverage limit for dental expenses is up to Rs 10,000 in every two year. Dental cover is available as an add-on by paying additional premium.

5. Digit Health Insurance Plan with OPD and Dental Cover

The policy offers out-patient dental treatment cover to get immediate relief from dental pain. The insurer pays for tooth X-rays, root canal treatments, amalgam or composite fillings, and extractions. The coverage is extendible to prescribed medicines for the treatment and alignment of teeth for adolescents.

6. Star Comprehensive Health Insurance Policy

It covers dental treatment expenses under out-patient benefit once after 3 years up to Rs. 5,000 or Rs. 10,000 depending on the sum insured value.

Types of Health Insurance Policies that offer Dental Insurance Cover in India

  • Individual Health Policies: These insurance policies may have dental insurance covered under their basic plan, additional benefits or premium covers wherein the customers will have to pay additionally to acquire this benefit.
  • Critical Illness Policies: This can be seen as a standalone policy that specifically caters a particular kind of illness. Some policies may offer dental surgeries that fall under critical medical procedures as part of their plan.
  • Family Floater Health Insurance Policies: Since most of these plans are linked with Mediclaim’s cashless benefits, dental insurance is generally covered as part of the plan for the insured and the family members covered in the plan.
  • Preventive Healthcare Policies: Sometimes, policies that cover preventive care like regular medical check-ups, consultation costs can also cover dental requirements.
  • Personal Accident Cover: Sometimes personal accident cover will cover dental expenses resulting due to an accident that may have caused injury to one’s teeth.

Over to You!

There are limited health plan options that will provide dental coverage, standalone dental insurance plans in India are yet to be set off. Thankfully, most health insurance policies will ensure different dental coverage is provided either in the form of hospitalization and surgical costs or in the form of personal accident cover.

Make sure to read the fine print before selecting one’s health insurance to ensure your teeth are insured. For more details you can write to us or speak to our health insurance experts over chat or call.

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Written By: PolicyBazaar
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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