dental insurance plans in india

A quick insight into dental insurance plans

 

dental insurance plans in india

You may have procured a health insurance policy for yourself and your family. But, what about getting dental plans? Dental diseases need coverage as much as the rest of your health. Read on to know about them.

Why Should You Care?

Dental ailments have witnessed a spurt in the incidence rate. It’s no surprise really, considering the rapid and drastic change in eating habits and lifestyle. To a lot of people, oral hygiene is not a top priority.

People will insist on binging on fast food, which is a leading cause of oral cavities. This is compounded by the fact that they do not care for their teeth and gums in the right manner. And then, there is the matter of tobacco consumption. India has actually earned the unfortunate tag of becoming the world’s oral cancer capital.

A shocking 63.9% of the population of India has dental cavities. The proportion is higher among lower income groups. Periodontal disorders too affect nearly 16% of the population.

Even though not enough attention is drawn towards dental disorders, you should not brush off the health and financial threats they pose. Not only are dental diseases sometimes an indicator of other ailments such as diabetes or heart problems, but their treatment too can be expensive.

People are actually enthusiastic about Dental Plans!

A recent survey threw up some encouraging statistics:

  • 92% of people promised they would opt for dental check-ups if their health plan covers them
  • Among a large chunk of people who were quizzed at a private dental clinic, 90% professed an interest in getting a dental cover. Unfortunately, most did not know that dental plans exist

 

How can a Dental Plan help you?

Just like your regular health care policy, a dental insurance cover can inure you from expenses that can drain your account if you come down with a dental ailment. So while purchasing a health plan, find out if it comes with the option of a dental add-on.

What do Dental Plans cover?

A dental policy serves both preventive and curative purposes-

  • Regular dental check-up
  • Diagnostic tests such as X-Ray
  • Tooth Extraction
  • Root canal
  • Follow-up therapy

However, the benefits that a particular policy offers will vary from one insurer to the next.

Most of the major players in the health insurance industry offer dental covers. Go online and compare the perks and prices before you make up your mind

Conclusion

Dental health is often neglected in a low-income country like India where people think twice before forking out a large sum of money on oral care. But, mouth disorders can lead to grave health complications. And that is why there is an urgent need to promote dental plans.

To eliminate any fear that your dental problems could be hinting at a far more deadly disease, book an appointment with a Dentist through MediBuddy today.

Source:

Outlook India

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To begin with, buying medicines from MediBuddy has several advantages:

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  • Ease of reordering regular medicines
  • It’s both hassle-free and saves your time
  • Availability of prescription drugs
  • Buy medicines with attractive discounts on MRP
  • Refill option for pre-scheduled delivery of medicines
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health insurance policy benefits

What can you expect from your Medical Insurance Policy?

health insurance policy benefits

You may have decided that you need a medical insurance plan but, don’t just purchase the first policy that comes your way. Choosing the right policy requires time and research. You don’t want to be strapped down with a health scheme that does not meet your requirements or one that has a distressingly long list of exclusions. Read on to learn what an ideal health insurance policy should offer.

Coverage

A medical insurance policy is as effective as the coverage it provides. This is the chief draw for people looking for a health scheme. It promises to foot the bill for most medical procedures that you may have to undergo in the event of an illness.  Ideally, it should cover-

  • Cost of medicines
  • Doctor’s and nurses’ fees
  • Cost of prosthetic devices
  • Room rent when you are hospitalized
  • Both pre and post hospitalization charges
  • Bills incurred in the aftermath of treatment, surgery, therapy

 

Cashless Network of Hospitals

Another perk that a medical insurance policy offers you is the opportunity to seek treatment in network hospitals. Many hospitals are tied up with insurers to provide you with the benefit of cashless treatment. That means you don’t have to pay in cash for the treatment that you receive. Once your doctor discharges you, your insurance policy will clear all the payments directly.

Maternity Benefits

Most health care plans these days make room for maternity benefits as an add-on cover. This cover is beneficial for women or couples who are planning to start a family in the near future. Some of the benefits you can enjoy with this cover are-

  • Hospitalization fees and room rent
  • Tests to determine the health  of the new-born
  • Consultation fees of gynaecologists and doctors
  • Health check-ups and both pre and post natal tests
  • Childbirth expenses (includes both caesarean and normal delivery)

 

No Claim Bonus (NCB)

This is a reward that your medical insurance policy gives you if you go a whole year without making any claims on your policy. You can accrue NCBs over the years and use them to receive a discount on the premium you are paying or you could increase your sum insured without incurring any additional costs.

Out Patient Department (OPD) Expenses

All those visits you make to the outpatient department to consult a doctor for minor illnesses such as common cough and cold or seasonal allergies can sometimes be expensive. That is why health insurance policies today, come with an OPD coverage. It’s benefits are-

  • Pay the doctor’s fees
  • Covers the cost of medicines
  • One can seek a consultation at a network hospital
  • One doesn’t have to be hospitalized to claim the pay-out

 

Regular Health Check-ups

Most health insurance policies make provisions for regular health check-ups. This is particularly helpful because even if the illness were setting in, your doctor would detect it right away and put you under medication. This significantly increases your risk of complete recovery.

If you think you need a comprehensive health check-up, you can talk with a doctor through MediBuddy’s E-consultancy services.

No Red Tape regarding Renewal

Renewal is simple and you can do it whenever necessary. Many policies give you the benefit of lifelong renewal. And there is no age bar either.

Tax Benefits

Under Section 80D of the Income Tax Act of 1961, a health insurance policy entitles you to tax benefits. This is because the sum insured is not considered as an income and so it’s exempt from tax.

Conclusion

It is important to choose your health insurance policy wisely because it will definitely ensure that you don’t face any distress in times of emergencies.

Choosing the right Health Insurance Policy can be quite tedious and time consuming. The right decision is always a well-informed one. Want to know the Current Trends & Public Opinion on Health Insurance in India? Read our infographic to stay aware!