- PNB MetLife has tied up with more than 340 dental clinics.
- It provides a cashless facility and simplified claims process.
- The plan does not cover the cost of any dental prosthetics.
PNB MetLife's new Oral Care Plan will assist patients in managing their dental health and ensuring that they do not have to dip into their savings or cut back on necessary expenses to make room for dental care.
PNB MetLife India Insurance Co Ltd has developed a dental care plan, India's first insurance plan to cover fixed-benefit outpatient expenses and provide financial support with total dental health costs.
As per the insurer, this is a one-of-a-kind, a standalone dental health insurance plan that covers major dental procedures without the hassles of hospitalization, said the firm.
“PNB MetLife Dental Care Plan will help customers manage their dental health and ensure they do not have to dive into their savings or reduce their essential spending in order to make space for dental treatment," the company said in a release.
PNB MetLife has partnered with over 340 dental clinics across India, including Clove Dental and Sabka Dentist, two of India's largest dental clinic chains with facilities in major cities so that policyholders may get the most out of their benefits.
Ashish Kumar Srivastava, managing director, and chief executive officer, PNB MetLife, said: “Dental treatment is expensive due to the requisite skill, specialized infrastructure, and impact of inflation. People spend a lot of money and pay out of their own pockets for dental procedures."
The plan allows you to get insurance without needing to stay in the hospital overnight.
Fixed benefits ranging from 350 to 7,500 per procedure and a sum insured of up to 50,000 are also available through the PNB MetLife Dental Care Plan. The plan also has a cashless feature, and policyholders can take advantage of tax benefits under Section 80D of the Indian Income Tax Act.
It should be noted that the dental care plan provides fixed benefits for outpatient and accidental dental operations.
According to Allied Market Research, the Indian dental insurance sector is expected to be valued at $3.65 billion by 2030. According to the Indian National Oral Health Survey, 90 percent of adults have oral health problems, and the majority of dental visits are for the treatment of dental disorders such as gum infection, decay, tooth loss, tooth loosening, and serious dental infection and vascular damage. Dental health has even been linked to chronic diseases like diabetes and stroke in several studies.
This plan works in conjunction with any existing health insurance plan on the market, such as mediclaim or critical illness, in which dental benefits are either unpaid or provided after a minimum of 24 hours in the hospital.
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Source: Business Standard