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Dental surgeries, such as tooth replacement, tooth repair work and extractions, are physically and financially draining in India. A single trip to the dentist can cost thousands, so many people limit their visits to emergencies.
However, with dental insurance coverage in India, you can enjoy financial protection for any necessary dental treatment without spending a lot. Thus, dental insurance is a crucial investment for families and individuals today.
If you are looking for the best dental insurance in India, explore Reliance General Health Insurance with dental cover to reduce your medical expenses with the right financial safety net.
Moreover, enjoy a 100% claim settlement ratio, a user-friendly website, online purchase and renewal convenience and 24/7 customer service with us!
Dental insurance is a type of health insurance that covers dental treatments, helping you manage your medical expenses better. Unlike the standard health insurance plans, dental insurance plans primarily focus on oral health treatments for healthy gum and teeth.
With the necessary insurance for dental treatment, you can access quality treatments and secure your expenses. This will ensure your oral health is in check to contribute to your overall well-being.
One of the top reasons to buy teeth insurance in India is to cover dental care costs for a wide range of dental treatments. This will help you manage the hefty medical expenses of getting the desired dental treatment without draining your savings.
Often, people compromise on quality treatment due to the price tag attached to it. However, with dental insurance, you will not have to worry about the price. You will have access to top dentists in the country for the necessary treatments.
Preventive oral care is commonly a part of dental insurance. With this inclusion, you can get the required financial support for regular check-ups and cleaning sessions. This will ensure you maintain better oral health and take preventive measures for potential diseases, if any.
Oral health is a significant part of your overall health and well-being. Thus, with dental insurance, you will be able to take better care of your oral health with a financial safety net and peace of mind.
Dental insurance is not a standard insurance product under the health insurance category. Instead, most insurers in India offer dental insurance as a health add-on cover with their health insurance policies.
For instance, Reliance General Insurance offers a wide range of health insurance plans, most of which offer dental cover as an add-on for customisation. This means you get extensive coverage for different medical expenses.
In addition, you get the option to increase this coverage by adding dental cover in a health insurance policy of your choice. With this dental insurance with health plans, you can benefit from the following -
Extensive financial coverage for all medical requirements and emergencies.
Affordable dental treatments.
Better access to quality dentists for surgeries and other requirements.
Improved oral health due to increased accessibility of preventive care services.
Better money management for emergency dental treatments.
Cashless hospitalisation flexibility.
Customised health insurance plan.
Lower premium for health insurance dental cover, as opposed to buying a stand-alone dental insurance plan.
In India, dental care coverage may vary depending on the type of health insurance policy you choose.
If you select a stand-alone dental insurance plan, the coverage available may be higher with more inclusions. On the other hand, as most Indian insurers, such as Reliance General Insurance, offer insurance for dental treatment under their health plans, the coverage may be lesser.
Let’s have a look at the scope of coverage below.
● Regular check-ups with the dentist
● Tooth examinations
● OPG Dental X-rays
● Teeth cleaning (fluoride treatment)
● Root canal
● Tooth fillings
● Crowning
● Tooth extractions
● Braces
● Implants
Our product list does not include a stand-alonedental health insurancepolicy.
Reliance General Insurance offers a wide range of health insurance plans, each offering comprehensive financial coverage for different medical expenses. The list of inclusions with all our plans includes -
● Pre- and post-hospitalisation expenses
● Ambulance charges
● Room rent
● Cost of diagnostic tests
● Surgery expenses
● Inpatient treatments, etc.
To get dental health coverage with us, you can choose our OPD add-on cover, which is available with some of our health plans, to get the necessary protection. Any of our Reliance Health plans offer coverage for inpatient dental surgeries if an injury is incurred due to an accident.
Reliance Health Infinity Insurance
Reliance Arogya Sanjeevani Policy
Our offers OPD coverage for dental treatments.
Our offers dental coverage under the base policy inclusions, provided it is a disease—or accident-led dental requirement.
Reliance Health Gain Insurance
Reliance Health Global Insurance
Our offers basic coverage for OPG dental X-rays under its preventive coverage for up to ₹3,000 every policy year.
Our covers dental consultations, surgeries, diagnostic tests, gum disease treatment, and medicine costs.
When you choose any Reliance health insurance with dental cover, you benefit from an extensive financial safety net. This not only protects you from hefty dentist bills but also covers you for all other medical expenses without any hassle.
When you choose Reliance General Insurance for dental insurance coverage, you benefit from combined coverage for not just dental but other medical expenses as well. This ensures you have a comprehensive safety net to help you manage your expenses during medical emergencies.
All our health dental plans have affordable premiums and extensive customisation flexibility. Moreover, you can avail yourself of up to 35% off discounts on our health plans under various categories to lower your policy premiums and fit your budget.
With a 100% claim settlement ratio for FY 2023-24, we prioritise quick and efficient claim settlements for all our customers. This ensures you get the desired financial support on time during emergencies without too much hassle.
You can buy, renew and file claims online using our website with just a few clicks. With this added convenience, the time and effort required to file a claim are reduced significantly. Moreover, with our latest mobile app, Reliance Self-i, you can file a claim using your mobile phone from prompt support.
For added customer convenience, Reliance General Insurance has tied up with different dental clinics to offer quality preventive care and dental treatments. Some of our tie-ups include -
We offer the flexibility of “Cashless Everywhere” with all our health insurance plans. This allows you to get the necessary dental treatment under your braces cover in dental insurance at any hospital in India. Once the treatment is completed, we settle the due medical bills directly with the hospital based on your policy coverage and terms.
Our dedicated customer service is available 24/7 for quick query and doubt resolution. Whether you wish to inquire about dental insurance that covers implants, track your claim requests or buy insurance for dental treatment, our customer support team will provide prompt assistance.
All premiums paid towards health insurance policies are eligible for tax deductions under Section 80D of the Income Tax Act. With this, you can reduce your tax liability at the time of filing your yearly tax return.
Reliance Dental Insurance Inclusions
Reliance Dental Insurance Exclusions
Preventive check-ups with dentist
Inpatient dental treatments for non-accidental or self-inflicted injuries
X-rays and other diagnostic tests
Tooth implants
Fluoride treatments
Pre-existing dental issues
Inpatient treatment costs
(if injury due to an accident)
Prosthesis
Consumables cover for treatment (as an add-on)
Alignment of the jaw
Outpatient treatments (as an add-on)
Dentures
Medicine costs (based on the type of plan)
Orthodontics (like braces cover)
As mentioned before, Reliance General Insurance does not offer a stand-alone dental insurance policy. However, you can still access dental coverage with our different health insurance plans.
For some plans, dental coverage is a base policy inclusion, whereas, for others, you must combine an OPD add-on to get the necessary financial protection.
Assess your Needs
Compare Health + Dental Insurance Plans
The first thing to do is assess your coverage needs and budget. This includes understanding the level of dental coverage you need along with other medical coverage. You can choose between basic preventive care coverage, other extensive dental treatments, or both.
Once you have a clear understanding of what you are looking for, you must compare different plans to choose the best health insurance with dental coverage. This will help you find a plan that aligns with your needs and budget.
Check for Claim Convenience
Read Policy Wording
While choosing an insurer, you must check the availability of online claim filing convenience. This will save you a lot of time and effort during emergencies. In addition, assess the customer support provided by an insurer to make a beneficial decision.
You should also read the policy document thoroughly to understand the policy inclusions, exclusions, terms and claim eligibility. This will help you choose the best dental plans based on your specific needs.
Insurer Claim Settlement Ratio
Choose an insurer that offers a high claim settlement ratio, as that promises quicker claim settlements. Reliance General Insurance has a 100% claim settlement ratio and offers various discounts to help you find the most affordable plan.
To buy online dental insurance plans with Reliance General Insurance, you must either choose a plan that offers dental coverage under its inclusions or opt for an OPD add-on cover with your chosen plan.
Here is a simple step-by-step process to follow.
Step 1 - Visit our > Select “Health” > Enter your personal information accurately.
Step 2 - Once done, click on “View Prices” to check the different health insurance plans.
Step 3 - Explore the online dental coverage policies offered and check for dental coverage, either as an inclusion or as an OPD add-on coverage.
Step 4 - Once done, select the plan you want, choose the OPD add-on, and select any other add-ons you want for your policy to view the final quotation.
Step 5 - If the final quotation is satisfactory, make the premium payment online to purchase dental health insurance.
To add dental coverage to your health plan, you must follow the simple steps below -
Step 1 - Go to our > Select “Health” > Click on “Renew Your Existing Health Insurance Policy.”
Step 2 - On the next page, add your mobile number or policy number and the necessary information in the space provided below.
Step 3 - Once done, tick the Terms and Conditions option and click on “Go”.
Step 4 - Your existing health insurance policy will open on the screen. Here, add OPD cover or dental insurance as an add-on to your base coverage to view the revised premium quote.
Step 5 - If satisfactory, make the updated premium payment to receive your renewed health insurance for dental treatment via email.
Health and Dental Coverage Tips
● Choose a plan that offers free or cost-effective coverage for routine dental check-ups.
● Opt for a dental health coverage health plan that includes diagnostic tests, X-rays and other basic dental treatments in its base coverage inclusions.
● For higher financial protection, choose a plan that offers extensive coverage for major dental procedures such as fillings, extractions, root canals, etc.
● Read the policy wordings carefully to understand the waiting period for dental coverage, as it varies from policy to policy.
● Many insurers impose a mandatory deductible percentage for dental coverage. Check this properly to choose a plan that aligns with your needs and financial capacity.
● Opt for health insurance with a dental cover that offers customisation flexibility and other add-ons to help you personalise your health plan as required.
Dental Insurance Eligibility
Details
Age
18 to 65 years (for adults)
91 days to 25 years (for dependent children)
Waiting Period
15 to 30 days (based on the type of plan, there might be a specific waiting period for dental coverage)
Policy Tenure
1, 2, or 3 years
Policy Coverage for
Individuals
Families (self, spouse and children)
As Reliance General Insurance only offers dental coverage under our health insurance plans, the documents required to buy dental health insurance coverage are standard. The list of dental insurance documentation includes -
Proof of age - Aadhaar card, passport, driving licence, etc.
Proof of identity - Aadhaar card, PAN card, driving licence, etc.
Proof of address - Aadhaar card, utility bills, rental agreement, etc.
Any previous medical reports
Valid evidence of pre-existing conditions
Completion proof of the CKYC (Central Know Your Customer) process
Your age has a direct impact on health insurance for dental treatments. The premium calculation for younger individuals may be lower than for older people, as they are less prone to dental problems.
Health dental insurance coverage requirements differ for people with and without pre-existing conditions. For instance, people with dental issues might have to pay a higher premium than people with no issues. This is because people with pre-existing dental conditions will have a higher need for dental treatments.
The type of coverage plays a big role in your dental insurance premium calculation. If you are buying a stand-alone dental insurance policy, your premium might be lower due to the limited coverage available.
On the other hand, if you buy a health plan with dental insurance coverage as an add-on, your dental insurance cost calculation may be slightly higher. However, you benefit from comprehensive coverage for not just dental treatments but overall medical expenses.
Dental premiums are calculated factoring in policy duration. Longer policy tenures may attract a lower cumulative premium, as you promise a longer commitment with the insurer. On the other hand, annual plans might incur higher premiums due to a shorter policy tenure.
Depending on the percentage or amount of voluntary deductibles you opt for, your dental insurance premium can vary. A higher deductible will reduce your premiums, and vice versa.
Dental insurance companies offer a wide variety of plans to offer coverage for individuals and families. Depending on what type of plan you choose, your premium can be higher or lower.
If your insurer offers a No Claim Bonus benefit as an add-on, you can enjoy lower premiums at the time of policy renewal. However, you must have a claim-free year to avail of this benefit.
The choice between online and offline dental insurance coverage can impact your premiums. When you buy online, you can avail of multiple discounts and reduce the risk of hidden costs, resulting in lower premiums.
Dental Procedure
Dental Procedure Cost in India
Dental Consultation
₹500 - ₹1500
Routine dental check-ups
₹1500 - ₹4500
Wisdom tooth extractions
₹4000 -₹10,000
Root canal cost without insurance
₹5000 - ₹11,000
Dental crowning
₹5000 - ₹12,500
(depending on the type and number of crowns)
Fillings
₹1000 - ₹5000
Fluoride treatment (cleaning)
₹1500 - ₹3000
Dental implants
₹20,000 - ₹50,000 (per implant)
Dental bridge cost without insurance
₹10,000 - ₹30,000 (per bridge)
Braces
₹20,000 - ₹45,000 (total)
Your expenses can be reduced significantly depending on the type of health insurance plan and dental coverage you choose. Some potential savings with a health insurance plan with dental cover include -
The cost of routine dental check-ups can be reduced to ₹500-₹1000, or you can avail of it free of cost, as you get preventive coverage for ₹3000.
Depending on the type of coverage you choose, the cost of major dental treatments can be reduced to approximately half of the actual cost.
Many dental clinics offer various service discounts to Reliance General Insurance policyholders, which can help you avail of free doctor consultations and up to 15% off on other services. (Check the specific clinic eligibility with Reliance before claiming)
Preventive dental care coverage is available in many health insurance policies and is a significant benefit for policyholders. Within this coverage, the common inclusions for some of the top dental plans include -
Regular dental check-ups (annually)
Tooth cleaning services (fluoride treatment)
Dental X-rays and other general diagnostic tests
With this preventive dental coverage offered under top-rated dental insurance plans, you can benefit from the following -
Early dental issue detection for prompt treatments
Improved oral hygiene and overall health
Reduced risk of expensive dental treatments due to late detection
Lower risk of gum issues and deep cavities
Therefore, you must invest in a health insurance policy with dental coverage to reduce your future dental expenses due to last-minute disease or issue detection.
A cashless claim is a claim option where the medical expenses are directly settled between the insurer and the hospital. With this option, you do not have to pay any upfront expenses once your dental treatment is complete, reducing your immediate medical out-of-pocket costs.
To choose the best, most affordable dental insurance plans, you need to assess different plans based on the following factors -
No, currently, Reliance General Insurance does not offer any stand-alone dental insurance policy. However, most of our health plans include preventive care coverage, and you can also choose our OPD add-on for dental treatment and financial protection.
A good claim settlement ratio for any health or dental insurance provider is 100%. This indicates quick and efficient claim settlements for all the customers.
No, dental insurance is not mandatory for anyone. However, given the high costs of dental treatments and check-ups in India, it is recommended that you secure your finances from unexpected medical expenses for emergency dental treatments.
Yes, all health insurance plans with dental coverage offer financial assistance for inpatient dental treatments that occur due to an accident. However, you must read your policy document to understand the specific terms and conditions for coverage.
Dental Care Tips
Why It Is Important To Have An OPD Cover With Health Insurance?
What is Cashless Everywhere Facility?
What is Cashless Hospitalisation?
Disclaimers
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. The details mentioned above are for multiple products such as Health Gain Health Insurance Policy UIN -RELHLIP21514V022021, Health Infinity Insurance UIN -RELHLIP21521V032021, Reliance Health Super Top Up UIN- RELHLIP21617V012021, Reliance Health Global UIN: IRDAN103RP0001V01202324, Corona Rakshak Policy, Reliance General Product UIN - RELHLIP21093V012021 and Corona Kavach Policy, Reliance General Product UIN -RELHLIP21092V012021.
Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).
Tax Benefits: Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.
Claim settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Reliance Health Gain Discount: This is the maximum discount applicable for Health Gain excluding long term healthy discount (aggregate)
Reliance Health Super Top Up Discount: Maximum discount applicable per for Reliance Health Super Top Up is 35%.
Claims Paid: The claim amount paid mentioned above is for settlement of claims done across all Line of Business in FY 23-24 and are in lines with the data reported to IRDAI.
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