The document discusses dental insurance in India. It provides an overview of different types of dental insurance plans available in India, including standalone dental insurance and dental coverage as part of general health insurance. It then focuses on Dentashakti, a unique dental insurance scheme launched by Janashakthi Insurance PLC and Dentavista Healthcare. Dentashakti offers affordable packages for routine treatments, orthodontics, implants and other dental work. The document outlines Dentashakti's monthly scheme and family dental schemes.

2. TABLE OF CONTENTS
S.NO. TOPIC SLIDE
NUMBER
1 INTRODUCTION 4
2 TYPES OF DENTAL INSURANCE 5
3 DENTAL PROCEDURES WHICH ARE NOT 6
COVERED BY DENTAL INSURANCE
4 DENTAL INSURANCE COVERAGE TYPES 7
5 DID YOU KNOW? 8
6 INTRODUCTION TO DENTAL INSURANCE IN 11
INDIA
7 INDIAN DENTAL INSURANCE – THE CURRENT 12
SCENARIO

3. S.NO. TOPIC SLIDE NUMBER
8 TYPES OF INDIAN DENTAL INSURANCE 13
PLANS
9 DENTASHAKTI INSURANCE POLICY 15
10 DENTASHAKTI’S MONTHLY SCHEME 19
11 DENTASHAKTI’S FAMILY SCHEMES 20

4. INTRODUCTION
• Dental Insurance is an insurance coverage for individuals to
protect them against dental costs. It insures against the
expensive dental treatments, dental diseases and accident to
teeth.
• Yours and your family’s dental health is important, so it's
worth considering a dental insurance plan to help you pay for
the cost of treatment.
• Dental insurance plans contribute towards, or pay for, the cost
of check-up's and treatment, giving you peace of mind and
saving you money.
• Dental cover is a cost-effective solution which will allow you
to choose the dentist you are treated by and give you the
choice of opting for NHS or private treatment.

5. TYPES OF DENTAL INSURANCE
There are several different types of individual, family or group
dental insurance plans. They are broadly grouped into three
primary categories
• Indemnity (or sometimes called: true dental insurance ) : which
allows you to see any dentist you want who accepts insurance
• Preferred Provider Organizations dental plans (PPO) : When a
dentist signs a contract with a dental insurance company, that
provider agrees to match the insurance fee schedule and give
their customers a reduced cost for services. This is considered an
In-Network Provider or Preferred Provider Organizations (PPO)
• Dental Health Managed Organizations (DHMO) : in which you
are assigned to an in-network dentist or in-network dental office
and must stay within that network to receive your dental
benefits

6. DENTAL PROCEDURES WHICH ARE NOT
COVERED BY INSURANCE
• Porcelain Veneers
A veneer is a thin wafer shell that is bonded to the front of a
tooth. Due to the cosmetic nature of this procedure, veneers are
not covered by insurances when they are initially put on. They
may, however, be covered by a dental discount plan.
• Teeth Whitening
Whitening allows for stains or discoloration to be
removed, making each tooth whiter. This is always considered
cosmetic and not covered by insurances.
• Bonding
A dentist can correct a space between your teeth by bonding a
composite to the teeth to close the gap. Your first bonding is
rarely covered by insurances.

7. DENTAL INSURANCE COVERAGE TYPES
• Preventative Most insurance companies consider routine cleanings
and examinations as preventative dental care, however, X-
rays, sealants and fluoride can be deemed as preventative or basic,
depending upon the specific insurance carrier.
• Basic or Restorative Basic or restorative dental treatment usually
consists of fillings and simple extractions. Root canals can be
considered basic or major. However, the majority of dental plans list
root canals as basic.
• Major Crowns, bridges, dentures, partials, surgical extractions
and dental implants are dental procedures that most dental insurance
companies consider as a major procedure.

8. DID YOU KNOW ?
1. Dental insurance is a legal agreement between the insurance
company and the customer whereby the company agrees to pay a
part of the dental bills that are incurred by the customer. Should
any issues arise, it is the company’s responsibility to resolve them.
2. Dental insurance and general medical insurance are somewhat
different. For many cases in countries like USA, UK, Australia &
Canada dental insurance benefits have not increased to a great
extent over the years, although the premiums may have increased.
Such is not the case with general medical insurance.

9. 3. Dental Insurance companies will claim to pay for as much as 80% of
the total bill. However, in reality you should expect them to only pay
anywhere from 35 to 70% of the dental expenses that you incur. The
reminder has to be paid by you. But, there are some dental insurance
companies that contribute to 100% of your total bill. So, it is advisory
to double-check before you take your decision regarding dental
insurance plans.
4. Most dental insurance companies will not provide coverage for dental
procedures that are cosmetic. This includes things like dental
implants which are usually not covered by most dental insurance
companies. Make sure you check the treatments that are covered in
your insurance cover.

11. INTRODUCTION TO INDIAN DENTAL
INSURANCE
• If you opt for an Indian dental insurance plan, the costs
incurred due to dental care would be paid for by the insurer.
• The Indian dental insurance sector is in its nascent stages and
currently only a handful of dental insurance plans are
available on a stand alone basis.
• A dental plan offers cover against sudden financial hardship
due to dental emergencies.

12. INDIAN DENTAL INSURANCE- THE CURRENT
SCENARIO
Unlike most western countries, specific dental insurance plans
are not common in India (with a few exceptions like
Dentashakti dental insurance) which is discussed in the latter
part of the presentation.
In India, oral health is normally integrated with the general
health insurance schemes. However some popular tooth care
companies have forged tie ups with general or health
insurance companies to produce dental insurance products.

13. TYPES OF INDIAN DENTAL INSURANCE PLANS
Indian dental insurance plans are mainly of two types:
Stand alone dental insurance plan:
• This type of plan covers the expenses related to general
dental problems, such as periodontitis and extraction of
permanent teeth due to ailments such as caries.
• In this plan, the amount of expense to be reimbursed as well
as the period of such cover is fixed.
• This type of plan is generally provided by the popular dental
care product companies in association with one of the
insurance companies.

14. Dental insurance cover as part of general
health insurance plan:
• This type of dental insurance is provided by the general insurance
companies as part of their own general health insurance
schemes, such as health advantage policy or student medical
policy.
• Through this scheme, one can claim dental expenses along with
the other kinds of reimbursements, such as the cost of medicines
or hospitalization.
• This plan also offers tax benefits up to a certain fixed amount
under the income tax act.

15. DENTASHAKTI DENTAL INSURANCE
POLICY

16. • Janashakthi Insurance PLC has entered in to an agreement with
India’s multi-specialty dental clinic and orthodontic centre,
Dentavista Healthcare Private Limited to launch a unique, one of its
kind dental insurance scheme.
• The scheme Dentashakthi, allows customers routine treatments
such as scaling and root canals plus specific orthodontic and
implantology treatment of dental implants, gum surgery, crown and
bridge and even removable appliances for children based on the
dental cover and premium structure.
• The costs of various treatments at Dentavista clinics are extremely
competitive compared to the cost in Europe, USA, Australia and
Canada, helping you save enough for a holiday as well as your
treatments.

17. First of its kind dental insurance scheme
with packages to suit your convenience
The difference between what you pay as insurance premium with
DENTASHAKTHI and what you would have paid in your own
country either as insurance premium or for treatment of your
dental ailments is very substantial.

19. Dentashakti’s monthly scheme

20. Family dental schemes

21. TECHNOLOGY/SERVICES

22. ENDODONTICS &
CONSERVATIVE PERIODONTICS
DENTISTRY
DENTAL
ORAL SURGERY LASER DENTISTRY IMPLANTS
CROWNS &
ZOOM ORTHODONTICS
BRIDGES
BLEACHING & DENTURES
FULL MOUTH
REHABILITATION