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PNB MetLife’s dental care plan covers fixed-benefit outpatient expenses

90% of adults have oral health issues and most dental visits are for treatment of dental problems such as gum infection, decay, tooth loss, loosening of teeth, and significant dental infection and vascular damage. (Photo: Mint)Premium
90% of adults have oral health issues and most dental visits are for treatment of dental problems such as gum infection, decay, tooth loss, loosening of teeth, and significant dental infection and vascular damage. (Photo: Mint)

  • PNB MetLife’s new 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

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PNB MetLife India Insurance Co Ltd has launched a dental care plan— India’s first insurance plan that covers fixed-benefit outpatient expenses and provides financial assistance with costs related to overall dental health.

As per the insurer, this is a one-of-a-kind, 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 tied up with more than 340 dental clinics, including Clove Dental and Sabka Dentist, two of India’s largest dental clinic chains with clinics across key cities in India, where policyholders can enjoy the full value 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 payout of their own pockets for dental procedures."

The plan offers access to insurance without having to face the hassles of overnight hospitalization.

The PNB MetLife Dental Care Plan also offers fixed benefits ranging from 350-7,500 per procedure and a sum assured of up to 50,000. The plan also comes with a cashless facility and policyholders can avail of tax benefit exceptions under section 80D of the Indian Income Tax Act.

Note that the dental care plan pays fixed benefits for the specific outpatient and accidental dental procedures.

Data from Allied Market Research indicates that the Indian dental insurance industry would be worth $3.65 billion by 2030. According to the Indian National Oral Health Survey, 90% of adults have oral health issues and most dental visits are for treatment of dental problems such as gum infection, decay, tooth loss, loosening of teeth, and significant dental infection and vascular damage. Several studies have even linked dental health to some chronic disorders such as diabetes and stroke.

This plan complements any current health insurance plan in the market, such as mediclaim or critical illness, in which the dental benefits are either uninsured or paid after minimum hospitalization of 24 hours.

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