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Individual, Non-Linked, Non-participating, Savings Life Insurance Plan | UIN: IRDAI Sandbox application No.395

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What you get

Benefits
Visits and Cleaning

Visits and Cleaning

Covered Dental Procedures

- Emergency pallative treatment 

- Visit Oral consultation to Dentist  

- Consultation Regular teeth cleaning

X-Ray

X-Ray

 Covered Dental Procedures

- Bitewings or intraoral

- Complete series (bitewing)

- Panoramic x-ray

Filings

Filings

 Covered Dental Procedures

- Amalgam fillings or

- Resin/ Composite-based fillings

- Glass Ionomer Filling

Extraction

Extraction

 Covered Dental Procedures

 

- Simple extraction (non-surgical) erupted tooth or exposed tooth

 

- Complicated extraction (non-surgical) tooth or root, partially bony

 

Complex Treatments

Complex Treatments

 Covered Dental Procedures

- Surgical removal of impacted, completely bony teeth

Root Canal

Root Canal

Covered Dental Procedures

Treatment of the pulp cavity lying in the root of a tooth *Excluding final restoration

Accident-Related treatments

Accident-Related treatments

 Covered Dental Procedures

- Lump sum benefit for dental injury arising from external trauma, excluding those arising from disease or illness

 

Find Clinics (Available in Bengaluru, Delhi NCR & Greater Mumbai only)

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Goregaon

PNB MetLife India Insurance Company Ltd. , Office Unit No. 101, 1st Floor, Techniplex-1, Techniplex complex veer Savarkar Flyover,Off S V Road Goregaon (West)-400062

Working hours till 9 pm

What you don't get

Waiting Period:  

Any expenses or claims related to any dental treatments, procedures or conditions within 24 days from date of coverage (i.e during waiting period) will not be covered. 

Please refer to policy terms conditions and exclusions for more details. 

Frequently Asked Questions

Dental Plan

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Do I need separate dental plan, if am having Health plan with me?

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Companies offering Health plans do not necessarily provide dental coverage and mostly have in patient availability which require hospitalization. In case there is OPD offering available it might have sub limits also.

OPD Dental Care plan is a stand-alone plan which provides fixed cost against listed benefits. For further details, please refer sales brochure

Why should I buy Dental Insurance?

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It is generally recognized by healthcare practitioners that oral health plays an important role in overall health.
However, like general health care, the costs of dental care can be expensive. Dental Care can be as simple as routine clean up or fillings or root canals, tooth extractions which can be quite expensive on your pockets.
On the other hand, dental insurance plan is low on cost and very affordable with 100% payment by Insurance for consultation and clean-ups.

Plan Details

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How can I tell if I have gingivitis or periodontitis (gum disease)?

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Gingivitis is an inflammation of the gums whereas periodontitis refers to more advanced gum disease that involves bone loss. Many people are not aware of it as the disease is painless in the early stages. Hence, it is important to have regular dental check-ups to detect gum disease.

If you have red and puffy gums and they bleed upon brushing, you could have gingivitis. Other signs & symptoms include bad breath, receding gums and in severe cases, you may have swollen gums filled with pus and loose teeth.

Are dental radiographs (x-rays) safe & necessary?

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Dental radiographs are extremely safe as the level of radiation is very low. They are essential diagnostic tools to detect hidden tooth decay & infection in the mouth.


With the help of dental radiographs, dentists can visualize the structures beneath the gums.

How do dental fillings work?

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Dental fillings are used to restore the tooth back to its original structure before decay. Firstly, dentists will remove the decayed tooth matter. After thorough cleaning, the dentist will then restore the tooth with a dental filling material most suitable for the location of the tooth.

What is root canal treatment?

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Root Canal Treatment is a dental procedure to remove infected tissue in the tooth and then sealing it up to prevent re-infection. A Root Canal Treatment can save a natural tooth from being extracted.

When do I need to have my tooth extracted?

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There are many instances in which a tooth needs to be removed. One of the most common reasons is irreparable damage due to extensive decay, severe gum disease or trauma. Another reason to remove teeth is to eliminate overcrowding.

What happens during a surgical extraction?

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A surgical extraction is required if the tooth is impacted and buried within the gums. In some cases, an extraction may require surgery if a root tip is broken deep inside the gums. The dentist will use a blade to make an incision in the gums to expose the bone. A dental drill is used to remove bone or cut the tooth to allow easy removal. Once the complete tooth has been removed, the dentist will suture the wound.

What are some examples of traumatic dental injuries?

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  • Fractured or chipped tooth
  • Dislodged tooth
  • Fracture of bone & displacement of teeth

What is Amalgam Fillings?

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 Is a dental filling material used to fill cavities caused by tooth decay

What is Accidental dental treatment?

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It is defined as medically necessary services to restore accidental damage of sound, healthy and natural tooth to most approximate pre-accident form and function.

What is Glass Ionometer Fillings?

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It is a flexible paste, that is used to form a tight seal between the internal tooth and surrounding environment

What is Resin based fillings?

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It is a dental material used for treatment of cavity

What is Bitewing x-rays?

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It is details of the Upper and lower teeth in one area of the mouth. X-ray shows a tooth from its crown (the exposed surface) to the level of the supporting bone.

What is complete Series X-ray?

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Is a survey of whole mouth consisting of 14-22 periapical and posterior bitewing images.

What is Panoramic X-rays?

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It is a 2-dimensional dental x-ray examination that captures the entire mouth in a single image, including the teeth, upper and lower jaws, surrounding structures and tissues

What is Simple Extraction vs Complicated Extraction?

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Simple Extraction means anesthetic given, after numbness set in, dentist extracts the tooth without any complications.

Whereas, Complicated Extractions means anesthetic given, after numbness sets in, dentists perform the extraction but has difficulty in removing the tooth.

Oral Health

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Why is oral health important?

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Good oral health can help prevent several serious diseases that can affect your overall health. Maintaining good oral health also improves a person's ability to eat, speak & socialize well.

How many times a year should I have my teeth professionally cleaned?

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Professional cleaning involves the removal of dental plaque & tartar. Dentists recommend having your teeth cleaned twice a year to maintain good oral health.

When do I need to have my tooth extracted?

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There are many instances in which a tooth needs to be removed. One of the most common reasons is irreparable damage due to extensive decay, severe gum disease or trauma. Another reason to remove teeth is to eliminate overcrowding.

What are some examples of traumatic dental injuries?

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  • Fractured or chipped tooth
  • Dislodged tooth
  • Fracture of bone & displacement of teeth

Network Details

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What is the difference between Network and Non -Network?

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Within network clinics, customer gets cashless services for benefits listed within Dental plans vs non-network where customer must pay for entire treatment and then claim reimbursement from the Insurance Company.

Does Dental plan have non-network services available?

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No, Dental plan offers customer cashless and seamless services only under chain of network providers approved by PNB MetLife.

In case of emergency or accidents customer can avail treatment outside network and can proceed under reimbursement process.

How many dental clinics are covered under PNB MetLife Dental Care?

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We have 300+ clinics across Mumbai, Delhi NCR and Bangalore. Details of clinics and their address can be viewed on our website.

Disclaimer

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*Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made there  to from time to time. 

1For details on claim process, request you to please refer policy terms and conditions.

2Cashless Facilities can be availed only at Our Network Service Providers.

3The complete list of Network Service Providers is available on Our website.

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