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/Dental
Find what matters most to you.
Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
36 features mapped
6 coverage topics
Start here8
The concerns that cost the most when a plan gets them wrong
Step 1Coverage Directory
Every category, decoded
All 6 coverage topics in one place - start with the worry on your mind, and open the features that decide it.
Step 2Feature Library
Everyday medical costs
Every feature behind Everyday medical costs, deciders first - pick one to see how the plans differ.
2 more features here look much the same across the plans we cover - they rarely decide the choice.
Step 3Plan Comparison
What is Dental in health insurance?
Covers dental treatment requiring a hospital visit - like surgical tooth removal under anaesthesia, jaw injury treatment, or oral cancer surgery. Some plans also cover routine dental check-ups and fillings. Cosmetic dental work and braces are not included.
Every plan, ranked11 · 6 standard · 4 limited · 1 not covered
Star HealthStandardSuper StarAccidental Injury Only
Standard
Dental treatment and surgery are excluded unless an accidental injury makes hospitalisation necessary; then they are paid as ordinary in-patient treatment up to your Sum Insured. Separately, a cashless dental consultation, IOPA X-ray and scaling is available for one insured person a year, and only in the 2nd and 3rd policy year. Dental implants are never payable.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
In-Patient Coverage ScopeAccidental Injury Only
In-patient expense limitCovered up to full Sum Insured
OPD Dental CoveredYes
OPD Dental - Benefit BasisNamed Services List
Watch out
The check-up is for one insured person under each policy in a policy year, so a family shares a single entitlement; under a multi-individual policy each insured gets their own. It is cashless only, so it has to be taken at a network provider.
HDFC ERGOStandardOptima RestoreDisease or Accidental Injury
Standard
Dental treatment is paid only when it needs a hospital admission: jaw surgery after an accident, an impacted tooth removed under general anaesthesia, oral cancer surgery. It then draws on your full Sum Insured with no dental cap of its own. Fillings, cleaning, crowns and every other clinic visit are not paid.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
In-Patient Coverage ScopeDisease or Accidental Injury
In-patient expense limitCovered up to full Sum Insured
OPD Dental CoveredNo
Watch out
The rule turns on where the treatment happens, not on what caused it. A dental problem from disease is treated the same as one from an accident, as long as it needs hospitalisation.
Care HealthStandardCare AdvantageDisease or Accidental Injury
Standard
Dental work is paid the way any other treatment is: as an admitted hospital stay, or as one of six dental procedures on the day care list - splinting avulsed teeth, suturing a lacerated lip or oral mucosa, oral biopsy, FNAC and an oral smear. There is no separate dental cap, and no cover for routine dental visits.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
In-Patient Coverage ScopeDisease or Accidental Injury
In-patient expense limitCovered up to full Sum Insured
OPD Dental CoveredNo
Dental add-onNot available
Watch out
Dentures, artificial teeth and similar external appliances are excluded by name, and this policy has no out-patient benefit, so a filling, a crown or a check-up is paid by you. A jaw injury or oral cancer surgery that needs admission is covered like any other hospitalisation.
Aditya BirlaStandardActiv One · VYTLDisease or Accidental Injury
Standard
Dental treatment is paid only when you are admitted as an in-patient, up to the Sum Insured. The exclusions then narrow it sharply: treatment for conditions of your natural teeth and gums is paid only if you are hospitalised because of an accident.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
In-Patient Coverage ScopeDisease or Accidental Injury
In-patient expense limitCovered up to full Sum Insured
OPD Dental CoveredNo
Dental add-onNot available
Watch out
Routine, preventive, diagnostic, restorative and cosmetic dental work is excluded outright. Fillings, crowns, cleanings and check-ups are paid by you.
HDFC ERGOStandardOptima Secure · Optima-SelectDisease or Accidental Injury
Standard
In-patient dental treatment is covered up to your full sum insured on every plan. The benefit clause covers dental treatment needed because of a disease or an injury. Routine dentistry is not covered - anything done on an outpatient basis is excluded, as is cosmetic dental work.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
In-Patient Coverage ScopeDisease or Accidental Injury
In-patient expense limitCovered up to full Sum Insured
OPD Dental CoveredNo
Dental add-onNot available
Watch out
The plan chart labels this row 'Dental Treatment (Accidental Hospitalization only)' while the benefit clause in both the policy and the prospectus says 'necessitated due to disease or Injury'. If you are claiming for a disease-driven dental admission, expect to have to point at the clause.
Star HealthStandardStar ComprehensiveAccidental Injury Only
Standard
Dental treatment in hospital is paid only when an accident makes it necessary; dental surgery for disease is excluded. Separately, out-patient dental and eye treatment is paid up to ₹5,000 to ₹15,000 depending on your Sum Insured, once for every block of three continuous years. Dental implants are never paid.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
In-Patient Coverage ScopeAccidental Injury Only
In-patient expense limitCovered up to full Sum Insured
OPD Dental CoveredYes
OPD Dental - Benefit BasisRupee Allowance
The catch
Dental implants are excluded outright. Dental surgery for gum disease or decay is not paid either unless an accident caused it, so you pay those bills from your own pocket.
Star HealthLimitedFamily Health OptimaAccidental Injury Only
Limited
Dental treatment is excluded unless an accidental injury makes hospitalisation necessary. Dental implants are never payable, and routine dental work - check-ups, fillings, crowns and extractions - is not covered.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
In-Patient Coverage ScopeAccidental Injury Only
In-patient expense limitCovered up to full Sum Insured
OPD Dental CoveredNo
Dental add-onNot available
Watch out
The carve-back needs both halves: an accident, and treatment that requires hospitalisation. A tooth broken in a fall but treated in a dentist's chair is not paid.
ICICI LombardLimitedElevateAccidental Injury Only
Limited
Dental treatment is excluded, with one exception: if you are hospitalised because of an accident and dental work is needed then, it is covered as part of that claim, up to your Sum Insured. Routine, restorative and cosmetic dental work stays out, and the BeFit out-patient option expressly excludes dental treatment.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
In-Patient Coverage ScopeAccidental Injury Only
In-patient expense limitCovered up to full Sum Insured
OPD Dental CoveredNo
Dental add-onNot available
Watch out
The exception needs hospitalisation due to an accident, so a broken tooth treated in a dental chair is not covered even though the accident was real. There is no dental add-on in this product.
Star HealthLimitedStar Health AssureAccidental Injury Only
Limited
Dental treatment is paid only when an accident causes it and the treatment needs hospitalisation. Everything else - decay, gum disease, extractions, crowns and routine dental visits - is excluded, and dental implants are never paid, even after an accident.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
In-Patient Coverage ScopeAccidental Injury Only
In-patient expense limitCovered up to full Sum Insured
OPD Dental CoveredNo
Dental add-onNot available
Watch out
Accidental dental work done in a dental clinic without admission is outside the cover, because the clause requires hospitalisation as well as an accident.
Niva BupaLimitedReAssure 3.0 · ClassicAccidental Injury Only
Limited
Dental treatment is excluded unless it is due to an accident or a cancer. Where it does qualify, it is paid as part of hospitalisation up to your Sum Insured, with no separate dental cap. Routine dental work is available only if you buy the WellConsult+ out-patient benefit, and cosmetic dental work stays excluded even then.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
In-Patient Coverage ScopeAccidental Injury Only
In-patient expense limitCovered up to full Sum Insured
OPD Dental CoveredNo
Dental add-onAvailable - WellConsult+ - includes OPD dental
Watch out
Under WellConsult+, dental procedures are capped at 12.5% of the WellConsult+ Sum Insured, which is itself a multiple of your base premium, not of your health Sum Insured. Reimbursement claims under that benefit carry a flat 20% co-payment.
Care HealthNot coveredCare SupremeNot in this plan, and not sold as an add-on
Not covered
There is no dental benefit in this product and no dental add-on to buy. Dental treatment is defined in the policy but no clause pays for it, and dentures and artificial teeth are named in the exclusions.
Coverage detailstap any row to understand it
How it's coveredNot covered
Dental add-onNot available
Step 4Shortlist
Your decision so far
Tap a plan to pick it, then read it in full or compare any two.
Nothing kept yet
Tap the bookmark on any plan in the comparison above and it lands here. Then pick one to read it in full, or two to compare.
Or read one we prepared for DentalSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
Every feature, A to Z
Each one has its own page - what it means, and how every plan handles it.