Hey everyone! In India, dental treatments can hit your wallet hard—think root canals costing ₹5,000–₹15,000, fillings, cleanings, or even extractions adding up quickly. But good news: you don’t need to pay everything out-of-pocket anymore. While standalone dental insurance is still rare in India (unlike the US), many comprehensive health insurance plans now include decent dental coverage as built-in benefits or affordable add-ons, especially under OPD (outpatient) sections.
As of 2026, with rising medical inflation, opting for low-cost plans with dental benefits is a smart move to save big on routine check-ups, consultations, X-rays, and basic procedures. Let’s dive into the best affordable dental insurance options in India right now!
Why Dental Coverage Matters in India
Most basic health policies exclude routine dental care (they only cover accidental injuries or hospitalization for major surgeries). But many top insurers now offer:
- OPD dental consultations & investigations
- Coverage for fillings, extractions, root canals (with limits)
- Preventive care like scaling/cleaning (up to certain amounts)
- Limits usually ₹2,000–₹10,000 per year or per policy term
The best part? These come at very low extra cost when added to a family floater or individual health plan.
Top Low-Cost Health Plans with Dental Coverage in India (2026)
Here are some of the most affordable and popular options based on current offerings (premiums start from ₹370–₹500/month for ₹10 Lakh cover for young adults—exact quotes depend on age, city, and sum insured):
- Aditya Birla Activ Health Platinum Enhanced One of the most recommended for dental! Covers dental consultations, investigations, and some treatments at network hospitals.
- Great for preventive & basic care
- Premium starts super low (~₹370/month for basic cover)
- Ideal if you’re looking for wellness + dental perks
- Tata AIG Medicare Premier Solid OPD dental coverage up to ₹10,000/year for procedures like root canal, fillings, extractions (in-patient & out-patient).
- Affordable entry-level premiums (~₹410/month)
- Good network & claim settlement ratio
- Reliance Rise / HealthGain One of the cheapest entry points with dental benefits under OPD.
- Starts as low as ₹385/month
- Includes renewal bonuses & basic dental consultations
- Niva Bupa (formerly Max Bupa) ReAssure / Health Premia Covers OPD dental diagnostics, consultations, and some treatments.
- Premiums from ~₹423/month
- Strong on unlimited restorations & family coverage
- Care Health (Care Plus / Supreme) Offers OPD dental up to ₹2,500–₹10,000 in higher variants.
- Very budget-friendly add-on options
- High customer satisfaction for claims
Other notable mentions: Star Comprehensive (OPD dental at network clinics), HDFC ERGO, Bajaj Allianz, and Digit plans—many offer dental as part of OPD riders at nominal extra premium.
Pro Tip: Pure standalone dental plans are limited (some like PNB MetLife’s old offering or discount membership plans exist, but they’re not full insurance). Go for health plans with OPD riders for real value.
How to Get the Cheapest Dental Coverage
- Buy as Add-On/Rider — Adding dental/OPD to a base health policy costs much less than separate plans.
- Choose Family Floater — Covers entire family at lower total premium.
- Compare Online — Use sites like Policybazaar, InsuranceDekho, or Beshak to get quotes in minutes.
- Buy Young — Lower age = lower premiums, and lock in rates!
- Check Waiting Periods — Most have 1-2 years for pre-existing dental issues, but accidents are usually covered immediately.
- Tax Benefits — Claim up to ₹25,000 (₹50,000 for seniors) under Section 80D.
Final Thoughts
Dental care isn’t a luxury—it’s essential! With plans starting under ₹500/month including dental benefits, there’s no excuse to skip check-ups or delay treatments. Start by checking your current policy or comparing fresh quotes today. A small premium now can save you thousands later.
Which plan are you eyeing, or do you already have dental cover? Drop your thoughts in the comments—happy to help! 😁🦷 Stay smiling and insured!