Do you find dental treatments expensive? Or do you think dentists are always on the verge of extracting money from you? Well, the cheapest dental treatment starts with you! If you really took care of your oral hygiene that well, you wouldn’t fall prey to dental diseases in the first place. Some dental diseases might not be preventable like wisdom tooth pain, but 90% of dental problems are very much preventable.
However, dental diseases may occur to you one fine day because it starts hurting, and when it’s too late for primary procedures you need an extensive one that costs you a bomb.
Suddenly you’re in the middle of a financial crisis and now you cannot afford the treatment so you start to ignore the problem, paving way for more future complications. Should you really be ignoring your oral health just because you simply ignored the disease and now cannot afford one?
Well, absolutely not! Now there are dental EMIs and insurance plans that help you take care of your dental needs and problems.
Dental EMI to your rescue
- Dental EMI to your rescue
- Dental health insurance in India
- How are insurance plans beneficial?
- Which dental treatments are covered by dental insurance?
EMI network gives you the advantage of dividing the cost of dental treatment into the most convenient monthly installments at no extra cost! Just like you pay your EMIs for your electronic devices and automobiles, various dental companies and private clinics do have monthly Dental EMIs available so you don’t suffer and wait till it’s too late.
Dental health insurance in India
DHI is nothing but a type of health insurance that covers your necessary expenses during dental treatments. There are many companies and banks, which cover dental treatments as a part of complete health check-ups.
Why do you need it?
A lot of people around us have dental problems, sometimes due to the financial crunch at that time, many people tend to skip taking up their required dental treatments, which often leads to ignorance of health. Also, few of the dental treatments are expensive from patients’ perspectives. Due to the incorporation of advanced technology, inflation, expensive materials, and lab work dental treatments prove to be unaffordable but the treatment is essential too, EMIs/Insurances are a savior in such times.
How are insurance plans beneficial?
Helps to maintain your oral health.
As mentioned before, people often tend to underestimate their oral health problems/ dental issues which ultimately leads to serious health issues in future.
It has been observed that, although health experts recommend people to visit a dentist once in a year at least, 70% of the Indian population do not see a dentist unless they are in trouble.
However, the DHI comes in to ensure you to get your treatment done at the right time, not leaving the dental suffering until the last minute. Thus, DHI and EMIs reduce the financial burden from your mind.
Many companies do not cover dental insurance under medical health policies, but some of the companies provide health insurance with outpatient department (OPD) coverage, i.e., including dental OPDs and treatments too. So if you are planning to get dental insurance too, make sure you choose the right policy.
Dental insurance not only benefits you in covering dental treatment costs but also gives coverage for hospitalization and daycare procedures and complementary health checkups that too without the rental charges for a hospital room. Few of the companies recently have started insurance for COVID 19 illness too.
Do you get Tax saving with it?
Yes! the biggest advantage of any health insurance is that you not only get required financial benefits for the illness but annual tax savings based on that particular health insurance premium you pay.
Following are some no-cost EMI & insurance providers
Bajaj Finserv, Snapmint, Capital float, ICICI Bank, CITI Bank, IndusInd Bank, Standard chartered, HBSC Bank, Kotak Bank, Axis Bank, New India Assurance, Oriental insurance, Star health
Which dental treatments are covered by dental insurance?
It really does depend on the policy you have chosen. Some medical policies cover dental insurances that over Accidental – Fracture, RCT, surgeries – Alveoloplasty ( bone surgeries), oral surgeries including cancer. Some policies may have dental insurance that covers implants as well.
Few of them do give assurance on healthy teeth, premium between 500-5000, claim ranging Rs 5000-50000. These include insurance on most of the dental treatments except braces and dentures.
Policies like Mediclaim are available in various states of U.S. but, await in India. These policies are expected to may their way in India in the next 2-3 years.