Does Health Insurance Include Dental and Vision Care?
Written by Mariyam Sara
2 min read | Updated on October 31, 2025, 17:08 IST
Does Health Insurance Include Dental and Vision Care?
Process of Dental & Vision Coverage
Coverage Under Dental Insurance?
Coverage under vision insurance?
Benefits of dental and vision coverage in health insurance
Upstox is a leading Indian financial services company that offers online trading and investment services in stocks, commodities, currencies, mutual funds, and more. Founded in 2009 and headquartered in Mumbai, Upstox is backed by prominent investors including Ratan Tata, Tiger Global, and Kalaari Capital. It operates under RKSV Securities and is registered with SEBI, NSE, BSE, and other regulatory bodies, ensuring secure and compliant trading experiences.
Insurance is a financial safety net and protects against any future health risks by preparing for them now. Dental and vision are often overlooked when selecting a health insurance plan.
Let’s understand if standard health insurance plans include dental and vision coverage, and what’s included in these coverages.
Does Health Insurance Include Dental and Vision Care?
Whether or not your health insurance plan covers dental and vision depends on the type of insurance plan you opt for. Most health insurance plans don’t include dental and vision care in the standard plan, except in case of accidents or severe blindness.
Cosmetic procedures like teeth straightening or LASIK surgeries below a certain power aren’t covered. Your dental and vision care is included in the OPD benefits. In the event of accidental injury or side effects due to underlying conditions like diabetes, dental and vision care are provided.
Since dental and vision care aren’t included in the standard health insurance plan, it's recommended to do your due diligence before opting for an insurance plan.
Process of Dental & Vision Coverage
If your existing health insurance doesn't cover dental and vision care, you can pay an additional premium to add it to your plan. This is feasible if you often face dental or vision issues and wish to have insurance for your medical expenses.
Do note, despite paying an additional premium, you may have to complete a waiting period, I.e, the time within which you can't make a claim. This waiting period can range from 6 months to a few years, depending on your medical history. Your dental and vision coverage is available only up to a specific limit mentioned in your insurance policy.
Coverage Under Dental Insurance?
Here are the benefits covered under dental care,
Dental consultations
Under dental coverage, dental consultations, including emergency treatment and minor procedures to soothe dental pain, are covered.
Tooth extraction
Expenses incurred in a tooth extraction procedure are covered.
Tooth conservation
Your tooth conservation procedure expenses are covered under dental coverage.
Oral X-rays
Oral X-rays required for dental procedures are also covered.
Periodontal Maintenance
Non-surgical procedures like scaling and root planning, antibiotics, and Periodontal maintenance are covered as specified in the insurance policy
Root canal
Under dental care, root canal treatments are also covered.
Coverage under vision insurance?
Here are the benefits included in vision care,
Routine Eye Check-up
You can have a routine eye check-up once in a policy year under the vision insurance.
Spectacles or Contact Lenses
Expenses for ophthalmologists prescribed corrective spectacles or contact lenses are covered.
Cataract Surgery
Cataract surgeries are included under daycare procedures up to the limit specified in the health insurance policy.
Lasik Surgery Coverage
LASIK surgery coverage is provided to patients with severe refractive errors under specific insurance plans, like critical illness plans.
Benefits of dental and vision coverage in health insurance
Having dental and vision coverage in your health insurance can be quite beneficial for your overall health.
Early Detection and Preventive Care
Having dental and vision care can help you detect disease early on and help find preventative measures.
Financial savings & Reduced Cost
Having dental and vision coverage not only helps you reduce your treatment costs but also provides financial savings by detecting diseases early on, which can be treated easily and cost-effectively.
More Comprehensive health management
Having a health insurance plan that includes both dental and vision helps maintain your overall health and reduces the chances of minor illnesses escalating to major diseases.
Having both dental and vision care in your health insurance plan gives a more comprehensive, preventative, and cost-efficient approach to health care.
About Author
Mariyam Sara
Sub-Editor
holds an MBA in Finance and is a true Finance Fanatic. She writes extensively on all things finance whether it’s stock trading, personal finance, or insurance, chances are she’s covered it. When she’s not writing, she’s busy pursuing NISM certifications, experimenting with new baking recipes.
Read more from Upstox