Health Insurance With Dental Cover India
Mental health insurance cover in india is a welcome but unplanned move.
Health insurance with dental cover india. The coverage is provided under the optimum variant of the plan up to a maximum of rs 3000 for rs 3 lakhs of coverage and rs 5000 for rs 5 lakhs of coverage. Several health insurance policies are available in india including specific ones like cancer insurance. Dental insurance is the cover that provides a cover for the dental procedures which are arranged by some medical professionals. These insurance plans cover all oral health problems like critical illness or surgery.
At times one will be able to claim dental expenses along with other reimbursements like cost of hospitalization and cost of medicines. An irdai notice to all insurers acknowledging that mental and physical illnesses are no different will do wonders to. Thanks to the number of health insurance companies in india choosing a single health insurance plan has become a mammoth task today ideally one would look at the features of the plan the benefits offered special inclusions premium payable limits on benefits coverage amount list of network hospitals of the insurer and so on. Benefits of buying dental insurance in india.
However the domain of dental and oral health is often neglected. There are so many benefits of dental insurance plans here we have listed some important points. These companies offering dental insurance in india structure their general policies to include health advantage schemes or mediclaim covers where oral care is covered. Sadly dental insurance is neglected not only by the clients but even the various companies turn their cold shoulders towards dental insurance and this is not included in the health insurance policies.
Dental coverage while dental treatment is considered in the exclusions list out patient emergency dental treatment due to an accident is covered under the health insurance plan. In india there are very few insurance providers who cover dental procedures with none of the major insurance companies offering dental insurance as an exclusive cover. Bharti axa s smart health insurance plan consider dental treatment in the list of exclusions out patient emergency dental treatment due to an accident is covered under this plan. More often than not dental treatments are covered in the event of an accident and would be limited to repairing the damage caused by such.
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