Dental Insurance

Dental treatments in India can be very expensive. A single visit to the dentist for procedures like root canals, tooth extractions, or fillings can cost thousands of rupees. Because of these high costs, many people skip regular dental check-ups and only visit the dentist during emergencies.

Insurance for dental treatment helps you afford these expenses without draining your savings. It provides financial support for different dental procedures, from basic check-ups to complex surgeries. With the right coverage, you don't have to avoid dental care due to cost.

Dental coverage is typically offered as an add-on with health insurance policies. This means when you buy dental insurance, you get protection for both dental and general medical needs in one policy. The coverage includes routine check-ups, teeth cleaning, X-rays,and major treatments like root canals and tooth extractions.

At IndusInd General Insurance (formerly Reliance General Insurance), we offer comprehensive health insurance plans with dental coverage options. Get financial protection, affordable premiums and access to quality dental care across India with our flexible plans designed for your needs.

What is Dental Insurance, & Why Do You Need One?

Dental insurance is a type of health insurance that covers dental treatments, helping you manage your medical expenses better. Unlike the standard health insurance plans, dental insurance plans primarily focus on oral health treatments for healthy gum and teeth.

With the necessary insurance for dental treatment, you can access quality treatments and secure your expenses. This will ensure your oral health is in check to contribute to your overall well-being.

Why is Dental Insurance Important?

One of the top reasons to buy teeth insurance in India is to cover dental care costs for a wide range of dental treatments. This will help you manage the hefty medical expenses of getting the desired dental treatment without draining your savings.

Often, people compromise on quality treatment due to the price tag attached to it. However, with dental insurance, you will not have to worry about the price. You will have access to top dentists in the country for the necessary treatments.

Preventive oral care is commonly a part of dental insurance. With this inclusion, you can get the required financial support for regular check-ups and cleaning sessions. This will ensure you maintain better oral health and take preventive measures for potential diseases, if any.

Oral health is a significant part of your overall health and well-being. Thus, with dental insurance, you will be able to take better care of your oral health with a financial safety net and peace of mind.

How Does Dental Health Insurance Work as A Health Insurance Add-On?

Dental insurance is not a standard insurance product under the health insurance category. Instead, most insurers in India offer dental insurance as a health add-on cover with their health insurance policies.

For instance, IndusInd General Insurance offers a wide range of health insurance plans, most of which offer dental cover as an add-on for customisation. This means you get extensive coverage for different medical expenses.

In addition, you get the option to increase this coverage by adding dental cover in a health insurance policy of your choice. With this dental insurance with health plans, you can benefit from the following -

Extensive financial coverage for all medical requirements and emergencies.
Affordable dental treatments.
Better access to quality dentists for surgeries and other requirements.
Improved oral health due to increased accessibility of preventive care services.
Better money management for emergency dental treatments.
Cashless hospitalisation flexibility.
Customised health insurance plan.
Lower premium for health insurance dental cover, as opposed to buying a stand-alone dental insurance plan.

Types of Dental Treatments in Health Plans

In India, dental care coverage may vary depending on the type of health insurance policy you choose.
If you select a stand-alone dental insurance plan, the coverage available may be higher with more inclusions. On the other hand, as most Indian insurers, such as IndusInd General Insurance, offer insurance for dental treatment under their health plans, the coverage may be lesser.

Let’s have a look at the scope of coverage below.

Preventive Care	Major Surgeries
Regular check-ups with the dentist	Root Canal
Tooth examinations	Tooth filings
OPG Dental X-rays	Crowning
Teeth cleaning (fluoride treatment)	Tooth Extractions
-	Braces
-	Implant

Insurance Under IndusInd Dental Insurance Plans

IndusInd General Insurance offers a wide range of health insurance plans, each offering comprehensive financial coverage for different medical expenses. The list of inclusions with all our plans includes -

● Pre- and post-hospitalisation expenses
● Ambulance charges
● Room rent
● Cost of diagnostic tests
● Surgery expenses
● Inpatient treatments, etc.

To get dental health coverage with us, you can choose our OPD add-on cover, which is available with some of our health plans, to get the necessary protection. Any of our IndusInd Health plans offer coverage for inpatient dental surgeries if an injury is incurred due to an accident.

IndusInd Health Infinity Insurance

Our IndusInd Health Infinity Insurance offers OPD coverage for dental treatments.

IndusInd Arogya Sanjeevani Policy

Our Arogya Sanjeevani Policy offers dental coverage under the base policy inclusions, provided it is a disease—or accident-led dental requirement.

IndusInd Health Gain Insurance

Our IndusInd Health Gain Insurance offers basic coverage for OPG dental X-rays under its preventive coverage for up to ₹3,000 every policy year.

Doctors - Professional Indemnity Insurance

Our IndusInd Health Global Insurance covers dental consultations, surgeries, diagnostic tests, gum disease treatment, and medicine costs.

Benefits of IndusInd Dental Insurance

When you choose IndusInd General Insurance for dental insurance coverage, you benefit from combined coverage for not just dental but other medical expenses as well. This ensures you have a comprehensive safety net to help you manage your expenses during medical emergencies.

All our health dental plans have affordable premiums and extensive customisation flexibility. Moreover, you can avail yourself of up to 35% off discounts on our health plans under various categories to lower your policy premiums and fit your budget.

We prioritise quick and efficient claim settlements for all our customers. This ensures you get the desired financial support on time during emergencies without too much hassle.

You can buy, renew and file claims online using our website with just a few clicks. With this added convenience, the time and effort required to file a claim are reduced significantly. Moreover, with our latest mobile app, you can file a claim using your mobile phone from prompt support.

For added customer convenience, IndusInd General Insurance has tied up with different dental clinics to offer quality preventive care and dental treatments. Some of our tie-ups include -

1. IndusInd X Fine Feather Dental Clinic offers a 100% free consultation benefit along with up to 15% off dental procedures.
2. IndusInd X Clove Dental offers complimentary consultations, 100% off on dental X-rays, 15% off on basic dental requirements, 10% off on special treatments, and so on. (offer valid till 31st March 2025)
3. IndusInd X Syma Dental offers 15% off on all dental procedures and treatments for IndusInd General policyholders. (offer limited to Pune)

We offer the flexibility of “Cashless Everywhere” with all our health insurance plans. This allows you to get the necessary dental treatment under your braces cover in dental care insurance at any hospital in India. Once the treatment is completed, we settle the due medical bills directly with the hospital based on your policy coverage and terms.

Our dedicated customer service is available 24/7 for quick query and doubt resolution. Whether you wish to inquire about dental insurance that covers implants, track your claim requests or buy insurance for dental treatment, our customer support team will provide prompt assistance.

All premiums paid towards health insurance policies are eligible for tax deductions under Section 80D of the Income Tax Act. With this, you can reduce your tax liability at the time of filing your yearly tax return.

IndusInd General Dental Insurance - Key Inclusions & Exclusions

What's Covered?

Preventive check-ups with dentist

X-rays and other diagnostic tests

Fluoride treatments

Inpatient treatment costs (if injury due to an accident)

Consumables cover for treatment (as an add-on)

Outpatient treatments (as an add-on)

Medicine costs (based on the type of plan)

What's Not Covered?

Inpatient dental treatments for non-accidental or self-inflicted injuries

Tooth implants

Pre-existing dental issues

Prosthesis

Alignment of the jaw

Dentures

Orthodontics (like braces cover)

IndusInd General Insurance does not offer a stand-alone dental insurance policy. However, you can still access dental coverage with our different health insurance plans.
For some plans, dental coverage is a base policy inclusion, whereas, for others, you must combine an OPD add-on to get the necessary financial protection.

How to Choose a Health Insurance Plan with Dental Coverage?

Assess your Needs

The first thing to do is assess your coverage needs and budget. This includes understanding the level of dental coverage you need along with other medical coverage. You can choose between basic preventive care coverage, other extensive dental treatments, or both.

Compare Health + Dental Insurance Plans

Once you have a clear understanding of what you are looking for, you must compare different plans to choose the best health insurance with dental coverage. This will help you find a plan that aligns with your needs and budget.

Check for Claim Convenience

While choosing an insurer, you must check the availability of online claim filing convenience. This will save you a lot of time and effort during emergencies. In addition, assess the customer support provided by an insurer to make a beneficial decision.

Read Policy Wording

You should also read the policy document thoroughly to understand the policy inclusions, exclusions, terms and claim eligibility. This will help you choose the best dental plans based on your specific needs.

Insurer Claim Settlement Ratio

Choose an insurer that offers a high claim settlement ratio, as that promises quicker claim settlements.

Things To Remeber Regarding Your Dental Insurance

How to Buy Dental Insurance Online?

Step 1 - Visit our > Select “Health” > Enter your personal information accurately.

Step 2 - Once done, click on “View Prices” to check the different health insurance plans.

Step 3 - Explore the online dental coverage policies offered and check for dental coverage, either as an inclusion or as an OPD add-on coverage.

Step 4 - Once done, select the plan you want, choose the OPD add-on, and select any other add-ons you want for your policy to view the final quotation.

Step 5 - If the final quotation is satisfactory, make the premium payment online to purchase dental health insurance.

How to Add Dental Insurance to Your Existing Health Plan?

Step 1 - Go to our > Select “Health” > Click on “Renew Your Existing Health Insurance Policy.”

Step 2 - On the next page, add your mobile number or policy number and the necessary information in the space provided below.

Step 3 - Once done, tick the Terms and Conditions option and click on “Go”.

Step 4 - Your existing health insurance policy will open on the screen. Here, add OPD cover or dental insurance as an add-on to your base coverage to view the revised premium quote.

Step 5 - If satisfactory, make the updated premium payment to receive your renewed health insurance for dental treatment via email.

Tips for Buying Dental Insurance

Dental check‑up cover

Choose a plan that offers free or cost-effective coverage for routine dental check-ups.

Diagnostics & X‑rays cover

Opt for a dental health coverage health plan that includes diagnostic tests, X-rays and other basic dental treatments in its base coverage inclusions.

Major dental procedures

For higher financial protection, choose a plan that offers extensive coverage for major dental procedures such as fillings, extractions, root canals, etc.

Dental waiting period

Read the policy wordings carefully to understand the waiting period for dental coverage, as it varies from policy to policy.

Mandatory deductibles

Many insurers impose a mandatory deductible percentage for dental coverage. Check this properly to choose a plan that aligns with your needs and financial capacity.

Customisable dental add‑ons

Opt for health insurance with a dental cover that offers customisation flexibility and other add-ons to help you personalise your health plan.

Eligibility Criteria For Dental Insurance Plans

Dental Insurance Eligibility	Details
Age	18 to 65 years (for adults) 91 days to 25 years (for dependent children)
Waiting Period	15 to 30 days (based on the type of plan, there might be a specific waiting period for dental coverage)
Policy Tenure	1, 2, or 3 years
Policy Coverage for	Individuals & families (self, spouse and children)

Homepage Curated Plans Client Extension

Documents Required for Health Insurance With Dental Insurance

As IndusInd General Insurance only offers dental coverage under our health insurance plans, the documents required to buy dental health insurance coverage are standard. The list of dental insurance documentation includes -

Proof of age - Aadhaar card, passport, driving licence, etc.

Proof of identity - Aadhaar card, PAN card, driving licence, etc.

Proof of address - Aadhaar card, utility bills, rental agreement, etc.

Any previous medical reports.

Valid evidence of pre-existing conditions.

Completion proof of the CKYC (Central Know Your Customer) process.

How is Dental Insurance Premium Calculated?

1 Age

Your age has a direct impact on health insurance for dental treatments. The premium calculation for younger individuals may be lower than for older people, as they are less prone to dental problems.

2 Pre-Existing Conditions

Health dental insurance coverage requirements differ for people with and without pre-existing conditions. For instance, people with dental issues might have to pay a higher premium than people with no issues. This is because people with pre-existing dental conditions will have a higher need for dental treatments.

3 Type of Coverage

The type of coverage plays a big role in your dental insurance premium calculation. If you are buying a stand-alone dental insurance policy, your premium might be lower due to the limited coverage available.

On the other hand, if you buy a health plan with dental insurance coverage as an add-on, your dental insurance cost calculation may be slightly higher.

4 Policy Tenure

Dental premiums are calculated factoring in policy duration. Longer policy tenures may attract a lower cumulative premium, as you promise a longer commitment with the insurer. On the other hand, annual plans might incur higher premiums due to a shorter policy tenure.

Factors that Affect Your Dental Insurance Premium

Depending on the percentage or amount of voluntary deductibles you opt for, your dental insurance premium can vary. A higher deductible will reduce your premiums, and vice versa.

Dental insurance companies offer a wide variety of plans to offer coverage for individuals and families. Depending on what type of plan you choose, your premium can be higher or lower.

If your insurer offers a No Claim Bonus benefit as an add-on, you can enjoy lower premiums at the time of policy renewal. However, you must have a claim-free year to avail of this benefit.

The choice between online and offline dental insurance coverage can impact your premiums. When you buy online, you can avail of multiple discounts and reduce the risk of hidden costs, resulting in lower premiums.

Health insurance starting at just ₹382 per month*!

From Hospital to Home, We’ve Got You Covered!

Access quality medical care without worrying about medical costs. With IndusInd General Insurance, you're covered from health checkups to surgeries!

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Average Cost of Dental Procedures in India

Dental Procedure	Dental Procedure Cost in India
Dental Consultation	₹500 - ₹1500
Routine dental check-ups	₹1500 - ₹4500
Wisdom tooth extractions	₹4000 -₹10,000
Root canal cost without insurance	₹5000 - ₹11,000
Dental crowning	₹5000 - ₹12,500 (depending on the type and number of crowns)
Fillings	₹1000 - ₹5000
Fluoride treatment (cleaning)	₹1500 - ₹3000
Dental implants	₹20,000 - ₹50,000 (per implant)
Dental bridge cost without insurance	₹10,000 - ₹30,000 (per bridge)
Braces	₹20,000 - ₹45,000 (total)

Impact of Insurance on Dental Procedure Cost in India

Your expenses can be reduced significantly depending on the type of health insurance plan and dental coverage you choose. Some potential savings with a health insurance plan with dental cover include -

The cost of routine dental check-ups can be reduced to ₹500-₹1000, or you can avail of it free of cost, as you get preventive coverage for ₹3000.
Depending on the type of coverage you choose, the cost of major dental treatments can be reduced to approximately half of the actual cost.
Many dental clinics offer various service discounts to IndusInd General Insurance policyholders, which can help you avail free doctor consultations and up to 15% off on other services. (Check the specific clinic eligibility with IndusInd before claiming).

Preventive Dental Care and Its Insurance Benefits

Preventive dental care coverage is available in many health insurance policies and is a significant benefit for policyholders. Within this coverage, the common inclusions for some of the top dental plans include -

Regular dental check-ups (annually)
Tooth cleaning services (fluoride treatment)
Dental X-rays and other general diagnostic tests

With this preventive dental coverage offered under top-rated dental care insurance plans, you can benefit from the following -

Early dental issue detection for prompt treatments
Improved oral hygiene and overall health
Reduced risk of expensive dental treatments due to late detection
Lower risk of gum issues and deep cavities

Therefore, you must invest in a health insurance policy with dental coverage to reduce your future dental expenses due to last-minute disease or issue detection.

Key Takeaways

Dental insurance is very important because good oral health keeps you healthy overall. Without insurance, sudden dental problems or required treatments can be very costly. Regular dental visits help prevent serious issues, but only if you can afford them. Having insurance means you can get treatment without financial stress.

IndusInd General Insurance (formerly Reliance General Insurance) makes dental protection easy and affordable. When you buy dental insurance with us, you get complete medical and dental coverage under one policy, low premiums with up to 35% discounts, tie-ups with leading dental clinics for exclusive offers, cashless treatment at over 11,000+ network hospitals across India, quick and efficient claim settlements, easy online buying and renewal, 24/7 customer support, and tax benefits under Section 80D.

Ready to protect your teeth and gums? Buy dental insurance by choosing from our health plans with dental coverage. Check your premium online and buy your policy instantly.

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Frequently Asked Questions (FAQs)

How to choose the best dental insurance plans?

To choose the best, most affordable dental insurance plans, you need to assess different plans based on the following factors - Sum insured allotted to dental treatments Insurer’s claim settlement ratio Type of dental treatments covered under the plan Policy waiting period and eligibility Availability of 24/7 customer support Option for policy customisation

How to file a reimbursement dental health insurance claim with IndusInd General Insurance?

Inform us about the emergency. Fill out a pre-authorisation form. Go to any dentist or dental clinic and get the necessary treatment. Pay all the incurred expenses and collect all the payment receipts, bills, etc. Submit a duly filled and signed claim form along with the medical bills and other supporting documents. Wait for claim approval. Get the applicable claim amount reimbursed to your bank account.

Is dental insurance necessary?

No, dental insurance is not mandatory for anyone. However, given the high costs of dental treatments and check-ups in India, it is recommended that you secure your finances from unexpected medical expenses for emergency dental treatments.

What is the current GST rate on health insurance premiums?

During the 56th GST Council Meeting in New Delhi, the Indian Government revealed a groundbreaking decision to exempt all health insurance policies from GST, starting September 22, 2025. The GST rate on health insurance premiums has been lowered to zero. Previously, premiums faced an 18% GST, which greatly raised the total cost. With this exemption, only the base premium is charged - making health insurance more affordable and accessible for individuals.

Will my existing health insurance policy benefit from the GST exemption?

Yes, renewals made on or after September 22, 2025 will benefit from Zero GST. If your policy was issued before this date, GST still applies. The exemption is tied to the policy issuance and renewal date, not just payment. Future renewals will reflect the GST-free pricing, reducing your premium cost.

What does the new GST regulation effective 22nd September mean for Health Insurance premiums?

Starting 22nd September 2025, the GST (Goods and Services Tax) on individual health insurance premiums has been reduced to 0%, down from the earlier rate of 18%.

Does the GST regulation apply to both new purchases and renewals of Health Insurance?

Yes, the new GST regulation effective from 22nd September 2025 applies to both new purchases and renewals of individual health insurance policies.

Does the GST change impact Health Gain, Health Infinity, Super Top-Up, and Hospi Care plans equally?

Yes, The GST exemption starting from 22nd September 2025 is applicable to health insurance plans such as Health Gain, Health Infinity, Super Top-Up, and Hospi Care. Provided that the policy is issued and the risk begins on or after this date, there will be no 18% GST charged on premiums. This change makes these plans more budget-friendly for both new purchases and renewals.

What is a cashless claim convenience for dental insurance?

A cashless claim is a claim option where the medical expenses are directly settled between the insurer and the hospital. With this option, you do not have to pay any upfront expenses once your dental treatment is complete, reducing your immediate medical out-of-pocket costs.

Does IndusInd General offer a dedicated dental insurance policy?

No, currently, IndusInd General Insurance does not offer any stand-alone dental insurance policy. However, most of our health plans include preventive care coverage, and you can also choose our OPD add-on for dental treatment and financial protection.

What is a good claim settlement ratio for an insurance provider?

A good claim settlement ratio for any health or dental insurance provider is 100%. This indicates quick and efficient claim settlements for all the customers.

Do I get dental insurance coverage for a dental treatment required due to an accident?

Yes, all health insurance plans with dental coverage offer financial assistance for inpatient dental treatments that occur due to an accident. However, you must read your policy document to understand the specific terms and conditions for coverage.

How does the GST exemption impact my health insurance premium?

With Zero GST, your premium is now reduced by up to 18% compared to before. You won’t have to pay tax on health insurance policies anymore. This change is effective for new purchases and renewals starting September 22, 2025. Example: A policy that earlier cost ₹15,000 (including ₹2,288 GST) will now cost approximately ₹12,712 - saving you nearly ₹2,300

Do I need to pay GST on health insurance purchased before September 22, 2025?

Yes, policies purchased or issued before September 22, 2025 still include 18% GST. The Zero GST exemption applies only to policies issued or renewed on or after that date. Future renewals will reflect the GST-free pricing.

Will my Health Infinity renewal premium reduce after the GST removal?

Yes, Your Health Infinity renewal premium will decrease if the renewal takes place on or after September 22, 2025.

I renewed my health policy before 22nd September with GST - am I eligible for adjustment?

If your health insurance policy was renewed before September 22, 2025, and you paid GST, you are not eligible for any refunds or adjustments. The GST exemption applies only to transactions made on or after the effective date. Since your payment was completed earlier, the GST charged was valid under the previous tax rules and cannot be retrospectively refunded.