Dental individual insurance is insurance wherein an individual is covered for various dental ailments against the payment of premiums to the insurance company.
Many believe that individual dental insurance is more expensive than group dental insurance. But choices differ and so do people.
Dental Individual: Extent of Coverage
The dental individual insurance policy usually covers the following dental ailments:
Non cosmetic surgery: Dental surgery may be required in some cases for the extraction of a tooth. Dental individual insurance does not cover cosmetic surgery for beautification.
Emergency tooth replacement: Dental individual insurance pays for emergency tooth replacement in case of an injury or accident.
Dental x-rays: Dentists often refer to dental x-rays to know the exact condition of the teeth and gums. Unless this is covered under individual dental insurance, one may find it quite expensive.
Normal cleaning: Simple cleaning of the teeth is also covered by individual dental insurance. Cleaning is done to remove tartar and plaque, which do not go away with normal brushing.
Covering fillings and crowns: An individual suffering from cavities and chips can go for tooth fillings covered by dental individual insurance.
If one is a non-smoker and can prove that to the insurance provider, the individual stands a better chance to buy dental individual insurance with good coverage.
Besides smoking, the policyholder’s age also affects the policy price and cover. With age, teeth problems increase. So, an older person has to pay more for buying dental individual insurance.
Tips to Buy Dental Individual Insurance
Prior to acquiring individual dental insurance, one must keep the following points in mind:
Waiting period under the policy: Waiting period defines the date from when the dental individual insurance policy will be effective.
Insurance providing companies differ in their offer and one needs to check the fine print and read between the lines.
There are a few companies that pose to offer some services for free. One should not fall into a trap and ascertain the feasibility of the dental individual insurance plan.