Best Health Insurance With Dental Cover In India
For years, dental health has been a growing concern in India. Take a look at these statistics:
But the issue goes beyond just cavities and gum disease. Oral health problems in India often go undiagnosed and untreated, leading to more serious conditions:
Even though the government has introduced the National Oral Health Programme (NOHP) to promote better dental care, treatment costs remain a big concern for most Indians. Dental procedures can be expensive, and without proper insurance, many delay or avoid treatment altogether.
That’s where health insurance with dental cover comes in. In this blog, we’ll explore some of the best insurance plans that include dental benefits and why having a policy with dental coverage can help you stay on top of your oral health without worrying about the costs.
Top 5 Dental Insurance in India
Feature | Aditya Birla Activ Health Platinum Enhanced | Bajaj Allianz Health Care Supreme | Cholamandalam MS Privilege Healthline | Digit Health Care Plus | Future Generali Health Total |
---|---|---|---|---|---|
Type of Dental Covered | Coverage for dental consultations and treatments under wellness benefits. | Out-patient expenses including dental treatments are covered. | Coverage for dental treatments under specific conditions. | Dental treatments covered under OPD benefits. | Dental treatments covered under OPD benefits in Superior and Premiere plans. |
Instant Cover | No (15-30 days waiting period) | No (30-day initial waiting period) | No | Yes (from Day 1) | No (30-day waiting period) |
Coverage for Complications | Comprehensive coverage including chronic management programs. | Covers complications arising from covered treatments. | Covers complications arising from covered treatments. | Covers complications arising from covered treatments. | Covers complications arising from covered treatments. |
Pre/Post Hospitalization | 60 days pre and 180 days post-hospitalization expenses covered. | 60 days pre and 90 days post-hospitalization expenses covered. | 60 days pre and 90 days post-hospitalization expenses covered. | 30 days pre and 60 days post-hospitalization expenses covered. | 60 days pre and up to 180 days post-hospitalization expenses covered. |
Premium Range (Annual) | ₹15,000 – ₹50,000 (varies by age/SA) | ₹12,000 – ₹45,000 | ₹10,000 – ₹40,000 | ₹8,000 – ₹35,000 | ₹9,500 – ₹38,000 |
Coverage for OPD/Medication | Includes OPD consultations and prescribed medications. | Covers OPD expenses including dental and pharmacy bills. | OPD treatments covered up to specified limits. | OPD treatments covered up to specified limits. | OPD treatments covered in Superior and Premiere plans. |
Waiting Period for Pre-existing Dental Disease | 24 months | 36 months | 24 months | 48 months | 36 months |
Network Hospitals | 6000+ network hospitals in 650+ cities | 10000+ | 12,000+ Regional and national chains | 16400+ cashless hospitals | 3,200 hospitals across India |
Claim Settlement % | 95% | 94% | 92% | 90% | 91% |
Unique Benefits | Unlimited restoration, wellness programs | International treatment coverage | Chronic disease management | Free health check-ups | Mental health coverage |
Portability Available | Yes | Yes | Yes | Yes | Yes |
Sum Insured (in ₹) | ₹5L – ₹2Cr | ₹3L – ₹1Cr | ₹2L – ₹75L | ₹3L – ₹50L | ₹5L – ₹1Cr |
Entry Age | Minimum 5 years; no maximum age limit. | Minimum 18 years; no maximum age limit. | Minimum 18 years; no maximum age limit. | Minimum 18 years; no maximum age limit. | Minimum 1 day; no maximum age limit. |
Policy Type | Individual & Family Floater | Individual & Family Floater | Individual & Family Floater | Individual & Family Floater | Individual & Family Floater |
Policy Tenure | 1–3 years | 1–2 years | 1–3 years | 1–2 years | 1–3 years |
Refill/Restoration Benefits | 100% restoration (once per year) | 100% restoration (once per policy term) | 50% restoration | 100% restoration (twice per term) | 100% restoration (once per term) |
No Claim Bonus | "Earn 50% No Claim Bonus for every claim free year up to a maximum of 100% of Sum Insured" | No-claim bonus of 10% for each claim-free year, up to a maximum of 50% | 5% no-claim bonus on the sum insured for each claim-free year. This bonus is subject to a maximum of 50% of the sum insured. | Max 100% coverage, 50% of Base Upto Sum Insuredper claim-free year | 50% of the sum insured per claim-free year. |
*Please read the disclaimer at the end of this page before purchasing any of these policies.*
Our Top 3 Recommended Health Insurance Policies With Dental Cover
Finding a health insurance plan that includes dental benefits can be challenging. Many policies cover major medical expenses but leave out routine dental care. If you’re looking for a plan that helps with dental check-ups, consultations, and minor procedures, here are our top three options worth considering.

Aditya Birla Activ Health Platinum Enhanced Plan
This plan offers extensive health coverage ranging from ₹15 lakh to ₹2 crore, making it suitable for those looking for more than just basic insurance. It includes dental consultations and diagnostic tests like oral evaluations, prophylaxis (cleaning), and X-rays for plans with a sum insured of ₹15 lakh and above.
Why It Stands Out
Covers Dental Consultations & Diagnostics – Includes oral check-ups, X-rays, and cleanings (for plans with ₹15 lakh sum insured and above).
Wellness Benefits That Can Be Used for Dental Care – Earn wellness rewards for regular check-ups, which can be used to pay for medical and dental expenses.
Covers Chronic Conditions, Including Dental Health Issues – Good for those with ongoing oral health concerns.
Cashless OPD Consultations – Makes it easy to get dental check-ups without upfront payments.
Best Hospital Network – 10,000+ hospitals for easy access to medical care.
Other Benefits: 60 days pre-hospitalization, 180 days post-hospitalization, unlimited sum restoration, and a high claim settlement rate (95%).
Potential Limitations
Only Covers Basic Dental Care – Check-ups and diagnostics are included, but treatments like root canals, braces, or implants are not.
Requires Treatment at Network Hospitals – Claims are processed efficiently only if you visit listed hospitals, limiting flexibility.
Waiting Period for Dental Benefits – You’ll need to wait 15-30 days before using dental coverage.
Higher Premiums – ₹15,000 – ₹50,000 per year, which may be expensive if you’re only looking for dental coverage.

Bajaj Allianz Health Care Supreme Plan
This plan is designed for those looking for high coverage along with outpatient dental benefits. It offers a mix of hospitalization, OPD services, and additional perks like international treatment and air ambulance cover.
Why It Stands Out
High Coverage Limits – With a sum insured range between ₹35 lakh and ₹50 lakh, this plan provides broad medical coverage, including outpatient (OPD) services.
OPD Dental Benefits Included – Unlike many plans that only cover dental care as an add-on, this one includes OPD dental consultations and minor procedures under the base policy.
Cashless OPD Services – Policyholders can access general dental check-ups and minor treatments without the hassle of upfront payments.
AYUSH Treatment Coverage – This plan includes alternative treatments, which can be helpful for those who prefer a holistic approach to oral health.
International Treatment Coverage – If you ever need medical care abroad, this plan has provisions for international treatments.
Good Claim Settlement Record – The insurer has a claim settlement ratio of 94%, which means a high percentage of claims are successfully processed.
Additional Benefits – Includes air ambulance services, OPD consultations, prescribed medications, and more.
Potential Limitations
Dental Coverage Is Limited – It covers only basic consultations and minor procedures; major treatments like surgeries, braces, or cosmetic work are not included.
Waiting Periods Apply – OPD and dental benefits come with a waiting period, meaning you won’t be able to use them immediately after purchasing the policy.
OPD Coverage Has a Cap – There’s a limit on how much you can claim for dental expenses, so high-cost treatments may not be fully reimbursed.
Premium Costs Can Be High – Since this plan includes many health benefits beyond dental care, the premiums range from ₹12,000 to ₹45,000 annually.
Limited Hospital Network – While the plan offers cashless treatments, its hospital network (6,500+ hospitals) is smaller than some competitors.
Cholamandalam MS Privilege Healthline Plan
The Cholamandalam MS Privilege Healthline Plan is a budget-friendly health insurance plan that includes dental OPD benefits. It’s one of the few policies in India that covers routine dental expenses under outpatient care, making it a good choice for those looking for periodic dental check-ups.
Why It Stands Out
Covers OPD Dental Expenses – This plan offers dental coverage of up to ₹10,000 every two years, which is uncommon in Indian health insurance policies.
Affordable Premiums – Compared to other OPD-inclusive plans, this one is more budget-friendly, with premiums ranging from ₹10,000 to ₹40,000.
Wide Network of Hospitals and Clinics – With access to 12,000+ hospitals, getting dental care and other medical treatments is more convenient.
Covers Pre & Post-Hospitalization Costs – If a dental issue leads to hospitalization, expenses before and after treatment are also covered.
Includes Wellness Benefits – Policyholders earn reward points for maintaining good health, which can be used toward future medical expenses, including dental care.
Potential Limitations
Dental Coverage Has a Biennial Limit: The ₹10,000 benefit is only available once every two years, which may not be enough for those requiring frequent dental visits.
No Coverage for Major Dental Procedures: Treatments like root canals, tooth extractions, and dental prosthetics are not covered.
Reimbursement-Based OPD Claims: Unlike plans that offer cashless OPD benefits, this policy requires you to pay upfront and then submit a claim for reimbursement, which can take time.
Lower Claim Settlement Rate: With a 92% settlement rate, it is slightly lower than some competitors, which could be a consideration for those prioritizing a smooth claims process.
Limited Entry Age: The policy is available only up to 60 years of age, whereas some other insurers allow new enrollments up to 65 years.
Which Plan Should You Choose?
The right health insurance plan depends on how much dental coverage you need and what other benefits matter to you.
What is Dental Insurance?
Dental insurance helps cover the cost of dental care, making treatments more affordable for you. It works like health insurance, where you pay a monthly fee, and in return, the insurance helps with expenses like check-ups, cleanings, fillings, and other dental procedures. Some plans cover basic treatments fully, while others help reduce costs for more expensive procedures like root canals or braces. Regular dental care is important for keeping your teeth and gums healthy, and having insurance makes it easier to get the care you need without worrying about high costs.
Types of Dental Insurance Plans
There are different types of dental insurance plans in India, and understanding them can help you choose the right one based on your needs. Here’s a simple overview of the options available.
1
Standalone Dental Insurance
This type of plan focuses only on dental treatments. It covers procedures like routine check-ups, cleanings, fillings, and sometimes more advanced treatments like root canals or extractions. These plans are not very common in India, but some insurers do offer them. If you are looking for a plan that only covers dental care, this might be an option.
2
Dental Coverage in Health Insurance Plans
Many health insurance policies include dental benefits as part of their coverage. This means that along with medical expenses, your plan might also cover dental treatments. However, most policies only cover dental care if it is needed due to an accident or a major medical issue. Regular treatments like cleaning and fillings may not be included. Always check the details of your policy to know what is covered.
3
Group Dental Insurance
Companies and organizations sometimes offer dental insurance as part of their employee benefits. If your workplace provides this, it can be a good way to get dental coverage at a lower cost. Group insurance plans often cover basic dental care and some major procedures, depending on the policy.
4
Dental Riders in Health Insurance
Some insurers allow you to add dental coverage to your existing health insurance plan as an extra benefit. This is known as a dental rider. By paying a little more, you can get coverage for routine check-ups, fillings, and other treatments that may not be included in a basic health policy. If your health insurance provider offers this, it can be a good way to include dental care without buying a separate plan.
When choosing a dental insurance plan, always read the policy details carefully. Look at what treatments are covered, if there is a waiting period, and if there are any limits on how much you can claim. This will help you pick a plan that fits your needs.
Why Should You Get Dental Health Insurance?
Taking care of your teeth is important, but dental treatments can be expensive. If you need regular checkups or major dental work, having dental insurance can help you manage the costs without putting a strain on your budget. Dental procedures often require specialized equipment, skilled professionals, and costly materials, which is why the bills can add up quickly. A good dental insurance plan can help you get the care you
need without worrying about the expenses.
1
Save Money on Expensive Treatments
Dental procedures can be costly, especially when you need major treatments like root canals, crowns, or braces. Instead of paying a huge amount out of pocket, dental insurance helps cover a big part of the cost. This way, you don’t have to cut back on other essential expenses just to afford dental care.
2
Cover Regular Dental Checkups
Keeping your teeth healthy means more than just brushing and flossing. Regular checkups and cleanings are important, but they can be expensive without insurance. A good dental plan covers these routine visits, making it easier to stay on top of your oral health. When you take care of small dental issues early, you can avoid bigger problems in the future.
3
Keep Your Teeth Healthy
With dental insurance, you are more likely to visit the dentist for regular cleanings and exams. Many insurance plans cover preventive care, so you can maintain healthy teeth without worrying about extra costs. This not only helps keep your teeth strong but also reduces the chances of bigger dental problems later on.
4
Less Stress About Dental Bills
Unexpected dental issues can happen at any time, and the cost of treatment can be overwhelming. With dental insurance, you don’t have to stress about paying large bills all at once. If something happens to your teeth, your insurance plan helps cover the cost, giving you peace of mind. Instead of worrying about how to afford treatment, you can focus on getting the care you need.
Having dental insurance is a smart way to take care of your teeth without breaking the bank. It helps you save money, stay on top of checkups, and avoid financial stress when unexpected dental problems come up.
Benefits of Dental Insurance
Taking care of your teeth is just as important as looking after the rest of your health. Here’s how a dental insurance plan can benefit you:
What Does Dental Insurance Cover?
Dental insurance helps cover the cost of certain dental treatments, but the coverage depends on the specific policy. Here are some common procedures that are usually included:
Preventive treatments like regular cleanings and check-ups
Tooth extractions if needed
Fillings for cavities
Root canal treatment
Dental procedures required due to an accident
Routine oral check-ups
X-rays to detect dental issues
Every insurance plan is different, so it’s always a good idea to go through the policy details to understand what is included.
What is Not Covered Under Dental Insurance?
While dental insurance covers many treatments, there are some procedures that are usually not included. These may include:
Since exclusions can vary from one policy to another, it is important to check the policy documents to know exactly what is not covered.
How to Choose a Good Dental Health Insurance Plan in India
Picking the right dental insurance plan can be tricky, but a little research can help you make a smart choice. Here are a few things to keep in mind:
No Limit on Dental Coverage
Unlimited Dental Visits
Consider Group Insurance
Know the Different Types of Plans
Check Your Budget
Look for Network Dentists
Disclaimer: