According to a report by Precedence Research, the global dental insurance market size is expected to be valued at US$ 269.5 billion by 2030 as expected to US$ 159.29 billion with an average growth rate of 17.9%. This is because teeth are an important part of our body, and the cost of treatment is expensive. Also, as one age, teeth tend to become weak, and there is a greater chance of teeth-related illness.
Thus, health insurance with dental plans becomes important. It safeguards oral health and ensures the well-being of loved ones, bringing peace of mind and financial security. But what are dental health plans? How do they work?
This article will talk about health dental insurance for senior citizens and how one can choose the right best health insurance plan with dental care.
What is a Senior Citizen Dental Insurance?
Dental insurance for senior citizens in India provides essential financial help for their dental treatments and is a crucial part of their overall healthcare insurance. However, it’s critical to remember that dental coverage might not be automatically included in the policy.
Seniors must confirm if their insurance covers dental care before buying or making any claim. It’s important to be cautious and ensure they have the necessary assistance for their dental health insurance requirements.
What are the Benefits of Senior Citizen Dental Insurance?
Here are some benefits of senior citizen health insurance for dental:
1. Unlimited Dental Consultations
Policyholders can avail themselves of unlimited free dental consultations, allowing them to seek professional advice and guidance whenever needed.
2. Advanced Diagnostic Facilities
Dental insurance covers the cost of unlimited digital X-rays and OPG (Orthopantomogram) facilities, aiding accurate diagnosis and treatment planning.
3. Discounts on Dental Procedures
Seniors can enjoy discounts or even free-of-cost teeth scaling, promoting regular preventive care. It is a vital procedure to remove plaque, tartar, and stains from the teeth and gums. By offering discounts or making it free, dental insurance motivates seniors to undergo this essential preventive measure regularly.
4. Assured Benefits for Dental Treatments
Policyholders can access assured benefits for essential treatments like teeth bracing and implantation, ensuring they receive necessary dental care without financial worries.
What are the Inclusions and Exclusions Under Senior Citizen Dental Insurance?
Here are the inclusions and exclusions under senior citizen dental healthcare insurance:
|Preventive dental treatment
|Oral dental Check-up
|Root canal Treatment
Why Should You Get Senior Citizen Dental Insurance?
Senior citizens should consider getting healthcare insurance for dental emergencies for the following reasons:
1. Timely Financial Support
Dental insurance provides timely financial assistance for dental care expenses, encouraging seniors to visit their dentists regularly rather than waiting until it becomes inevitable.
2. Maintain Oral Health
Having dental health insurance provides individuals with the advantage of receiving regular teeth cleanings and checkups, as many dental insurance plans include coverage for these routine visits. This benefit from the dental policy will be highly beneficial in the long term.
3. Affordable Add-On Option
They can opt for dental coverage as an add-on to their existing healthcare insurance (usually part of the OPD cover) by paying a nominal additional premium. In return, they can receive a considerable cover.
4. Peace of Mind
With dental insurance, seniors can enjoy peace of mind, knowing that their dental expenses will be covered by the insurance policy, eliminating worries about unexpected dental costs.
What are the Things to Consider When Buying a Senior Citizen Dental Insurance?
One must consider before buying senior citizen dental insurance:
1. Compare Plans
Compare various healthcare insurance policies to find one that best suits your needs. Consider factors like affordability, coverage for critical dental procedures like root canals, and other essential criteria.
2. Check for Inclusions
Ensure the dental insurance policy provides maximum coverage, including preventive and critical oral healthcare treatments. Read the policy document carefully to check for any waiting periods and if checkups and treatments are covered without extra clauses.
3. Check for Exclusions
Dental insurance may have some exclusions, like not covering the cost of cosmetic treatments and surgeries. Thoroughly review the policy documents before choosing a plan.
4. Network Hospitals
One must consider selecting an insurance company with a wide network of hospitals across India. This will make it easier for you to access in-patient dental treatment when needed, especially in case of dental injuries, illnesses, or accidents.
In India, best health insurance for senior citizensis critical for ensuring they maintain good oral health and receive necessary dental care without financial hardship. One should carefully research the terms and exclusions of their health dental insurance policy before deciding because dental insurance offers a variety of benefits. The insured will have peace of mind knowing that their oral healthcare needs are properly met with the right dental insurance.
One must consider Niva Bupa Health Insurance for dental healthcare insurance. They offer many dental benefits, including unlimited consultations, discounted dental procedures, and more.