At present, 50% of the
Indians are visiting dentist in an average and there is a definite need for
Dental Insurance for the employees as well as individuals in India. As the life
styles of the Indians are grown, the awareness for dental care has also grown a
lot. As a result the dental care industries are also developing very
rapidly. The Insurance companies are very keen in promoting their plans
and policies; though there are very limited numbers plans are available for
dental treatments in India. The Indian Dental Association has a plan of
bringing a comprehensive dental insurance policies which will
be beneficial for everyone as the dental treatment costs are very
high.
Most of the companies
are not providing dental insurance benefits for their employees. But it is a
good plan to add in a company to retain their employee’s satisfaction. Moreover
dental diseases are of low risk and curable quickly. If the problems are
identified in the initial stages, then the cost involved for the treatment will
be very low with included x-rays, medications, 3 to 6 sittings incase of cavity
treatment and the doctor’s consultation fees. In case of high dental treatment
cost, dental insurance will be very helpful.
Opting for a good dental
insurance policy
Many insurance companies
provide partial reimbursement of the dental treatment expenses. The insurance
companies have certain criteria like some treatment will not come under the
category for reimbursement from the insurance companies. So, the employee’s has
to check whether they are able to claim the amount from the insurance company
for a specific dental treatment. Some insurance companies will also list
certain hospitals where the employees can undergo treatment for their dental
problems.
Checklist before
choosing a dental Insurance plan
1) Whether the employee can select his doctor apart from the list of
doctors provided by the Insurance companies.
2) What kind of treatments will covered in
the Insurance Plan like general cleaning, root canal, Oral surgery, tooth
capping, tooth whitening, Dental Surgery, Cosmetic dentistry, dental implant
and other dental diseases.
3) What will be the monthly premium to be
paid as well as administrative charges to be paid?
4) Chances for choosing specialist from
the list.
5) Does the plan covers incase emergencies
situations?
Note: 24 hours hospitalization is required in order to
claim the Insurance companies. Below are some of the companies providing
dental insurance policies in Chennai.
1) Royal Sundaram health Policy
2) Oriental Insurance health policy
.
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