Did you know you don’t always have to pay dental expenses out of your own pocket? You can get dental insurance plans to cover your dental care costs. Dental insurance lets you claim the benefits of dental treatments without worrying about their cost. Like any other type of health insurance, dental insurance helps you cover the most fragile part of your mouth. These include your teeth, gums, and any procedure involved to keep them healthy.
The dental services covered in dental insurance plans vary from insurer to insurer. This is why, when it comes down to shortlisting the right kind of insurance amongst the variety of dental insurance plans, you have to go through the benefits offered by different dental insurance plans. Knowing what factors go into picking the appropriate dental insurance plan can help you make the correct choice.
To further help you understand what factors are crucial to check while choosing the right type of dental insurance, we have curated five steps to help simplify the exact process.
5 Steps for Choosing the Right Dental Insurance
Here are the steps to choosing the right dental insurance in India:
Many dental insurance India plans come with complex terms and conditions. Before finalizing dental insurance in India, make it a point to understand the exact scope of dental services offered by the dental insurance plan. Reach out to your insurance agency's representative and ask them to talk to you in detail about what your dental plan provides. Doing this will come in handy while claiming coverage under dental insurance. It will also eliminate any unpleasant surprises.
Like every other insurance plan, dental insurance plans come with eligibility criteria. People of a pre-specified entry age can buy the dental plan. For most dental insurance plans, the eligibility criteria include a minimum entry age of 18 years and a maximum entry age of 65 years.
Other criteria include the person having to be an Indian citizen, having the financial capacity to pay the premiums, and others specified by the insurer. When you discuss the eligibility criteria, always try to understand your representative as to what the criteria for add-on services are as well as the benefits you may get.
Premiums are the sums you pay to avail of the dental services under dental insurance plans. You can pay a one-time single-payment premium or a monthly payable premium. You can choose whatever time frame suits you best. Your premium will depend on factors like the scope of dental services covered, your age, your budget, and others. Understanding the factors that influence your premium will help you commit to your premium payments.
When the time comes to claim dental insurance, policyholders often get confused about the process. Or they choose to not claim it because of the complexities. Reach out to your insurance company beforehand and get a clear understanding of what your policy claiming procedure is like. So, you can rest assured that when you need dental services, you will be able to use the policy without any hesitation.
When selecting a dental insurance plan, always ensure that you are fully aware of the dental services you will be able to claim. But knowing what dental services the dental plan does not cover will save you from any confusion during a visit to the dentist. Knowing beforehand the dental services excluded will also save time. Check the exclusions section in the terms and conditions of dental insurance plans to know what’s not covered.
To Conclude
You can get dental insurance on a standalone basis or buy health insurance with dental cover. The coverage will vary for standalone and add-on dental insurance policies. Remember also to compare the various dental insurance plans available so that you can find the one best suited to your needs. Visit now to know more about term plan, term insurance, ulip plan, retirement plan, long term savings and more visit PNB MetLife website.
Disclaimer:
The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision.
PNB MetLife India Insurance Company Limited
Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka
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