Doctor ne bola scaling karwani hai, ya crown lagwana hai — aur aapke paas corporate health insurance hai। Kya dant ka kharcha cover hoga? Dr. Ritu Goyal, MDS India mein dental insurance ki poori picture clear kar rahi hain।
India Mein Dental Insurance Ka Sach
Seedha baat — India mein standalone dental insurance bahut limited hai aur zyada tar health insurance plans mein dental treatment cover nahi hota। Lekin kuch options hain।
Kya Cover Hota Hai — Aam Taur Pe
- ✅ Accident se dant toota: Most health insurance mein cover hota hai (emergency dental treatment)
- ✅ Hospitalization wali surgery: Jaw surgery, jaw fracture — general insurance mein
- ✅ Oral cancer treatment: Cancer treatment ke hisse ke taur pe
Kya Generally Cover NAHI Hota
- ❌ Routine scaling/cleaning
- ❌ Cavity filling
- ❌ Root canal treatment
- ❌ Crowns, bridges, veneers (cosmetic)
- ❌ Braces/aligners
- ❌ Dental implants (generally excluded)
- ❌ Teeth whitening
Corporate Dental Benefits — Check Karein
Bahut companies employees ko wellness/OPD benefit deti hain jisme dental included ho sakta hai:
- HR se poochho — annual dental allowance hai?
- OPD card check karein — dental listed hai?
- Flexible benefit plan mein dental add kar sakte ho?
- Group mediclaim mein OPD rider le sakte ho?
Claim Kaise Karein — Process
- Clinic se original bills + prescription + clinic letterhead lein
- Doctor's registration number bill pe hona chahiye
- Diagnosis code (ICD code) clear hona chahiye
- Insurance company ke app ya portal pe upload
- Cashless nahi hoga zyada tar — reimbursement milega
Smart Planning: Insurance nahi hai toh bhi planning karo — scaling har 6 mahine ₹1,500-2,500, cavity filling ₹500-1,000. Regular maintenance se bade kharche bach jaate hain. Prevention sabse sasti insurance hai।
Goyal Dental Care mein proper bills aur documentation milti hai insurance claims ke liye। 9759864222।
Aksar Pooche Jaane Wale Sawaal (FAQ)
India mein zyada tar routine dental (scaling, filling, RCT, implant) cover nahi hota. Accident se toota dant aur hospitalization wali surgery cover ho sakti hai. Corporate OPD benefit check karein.
HR se poochho — wellness/OPD benefit mein dental hai? OPD card check karein. Flexible benefit plan mein dental add kar sakte ho? Group mediclaim mein OPD rider available hai?
Original bills, doctor prescription, clinic letterhead with registration number, diagnosis/ICD code. Zyada tar reimbursement claim hota hai — pehle pay karo phir claim.
Generally nahi — implants zyada tar excluded hain. Kuch premium plans mein partial cover ho sakta hai. Policy document carefully padhein exclusions section.
Regular maintenance — scaling ₹1,500-2,500 har 6 mahine — se bade kharche bachte hain. Prevention sabse sasti 'insurance' hai. Jaldi ilaj = kam kharcha.