The PNB MetLife dental plan covers fixed benefit outpatient expenses


PNB MetLife India Insurance Co Ltd has launched a dental plan, the first insurance plan in India that covers fixed benefit outpatient expenses and provides financial assistance for overall dental health related costs.

According to the insurer, it is a one-of-a-kind dental health insurance plan that covers major dental procedures without the hassle of hospitalization, the company said.

“PNB MetLife Dental Care Plan will help customers manage their dental health and ensure they don’t have to dip into savings or cut back on essential expenses to make room for dental care,” said the company in a press release.

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PNB MetLife has partnered with over 340 dental clinics including Clove Dental and Sabka Dentist, two of India’s largest dental clinic chains with clinics in key cities across India, where policyholders can avail the full value of their benefits.

Ashish Kumar Srivastava, Managing Director and CEO of PNB MetLife, said: “Dental care is expensive due to the skills required, specialist infrastructure and the impact of inflation. People spend a lot of money and pay out of pocket for dental care.”

The plan provides access to insurance without having to deal with the hassle of an overnight hospitalization.

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

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

Data from Allied Market Research indicates that India’s dental insurance industry will be worth $3.65 billion by 2030. According to India’s National Oral Health Survey, 90% of adults have oral health problems. oral health and most visits to the dentist are for the treatment of dental issues such as the gums. infection, caries, tooth loss, loosening of teeth and significant tooth infection and vascular damage. Several studies have even linked dental health to certain chronic conditions like diabetes and stroke.

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

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