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.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*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

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    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

    Bajaj Allianz Health Guard Gold Plan

    Rs 3 Lakh- Rs 50 Lakh

    Part of the base plan

    Bharti AXA Health AdvantEdge ( Royal & Apex Plan)

    0/5% of SI or Rs 1 Lakh

    Optional Benefit

    Chola MS Privilege Healthline  Plan

    Rs 5 Lakh- Rs 25 Lakh

     Rs 10,000 every 2 yrs.

    Digit Health Insurance with Dental Cover


    Outpatient Dental Cover

    Star Comprehensive Health Insurance Policy

    Rs 5 lakh- Rs 25 Lakh

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

    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.

    Like the post? Share it with your friends on Facebook, Twitter, Google+ & LinkedIn.

    Got questions about Dental Insurance? Ask our experts! Leave your questions in the comments section below and our experts would love to answer all your questions.

    Written By: PolicyBazaar

    Health insurance articles

    Recent Articles
    Popular Articles
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Does Your Health Insurance Remain Valid If You Move Abroad?

    30 Sep 2021

    Health insurance is one of the best investments that you can make...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Download the Policybazaar app
    to manage all your insurance needs.