ICICI Lombard General Insurance Company, one of India’s leading private general insurance companies, has teamed up with Clove Dental, India’s largest network of oral clinics to offer dental insurance.
The offer will be covered under the OPD benefit and will be available on a cashless basis to customers. This partnership will provide oral health support to Clove Dental clients that will include all necessary dental expenses under ICICI Lombard’s outpatient benefit, according to the ICICI Lombard press release.
Oral cancer, tooth decay and gum disease are major concerns when it comes to oral diseases. Additionally, the pandemic has highlighted the need for public health in general and oral health is no different. The virus has shown many oral manifestations, which can be prevented provided one takes good care of oral health. With increasing awareness, Indians are looking for insurance providers that cover and take care of their dental and oral health needs amid rising prices of dental treatments due to inflation, high cost of materials and equipment, innovations, expensive fixtures and laboratory work involved. With the growing need in mind, ICICI Lombard, along with Clove Dental, has offered this service as a benefit cover under an OPD product on a non-cash basis, the press release said.
Dental insurance is usually linked to health insurance as dental diseases are not covered exclusively. Also, a traditional health insurance policy usually covers inpatient department (IPD) expenses that require hospitalization. Outpatient department expenses such as doctor’s consultation fees, medical exams, pharmacy bills, dental treatment and diagnostic tests are not usually included in insurance coverage. Consumers will find a dental insurance policy with outpatient benefits with the largest dental chain in the country, and it’s now more pressing than ever.
Sanjay Datta, Head of Underwriting, Claims and Reinsurance, ICICI Lombard said: “There has been a fundamental gap in providing consumers with the right oral and dental healthcare. Through this partnership, we are one step closer to closing this gap and bringing about a change in consideration for preventive dental care. in India. Our aim is to provide an affordable, accessible and hassle-free dental insurance solution to our clients, helping them to overcome rising dental healthcare costs and satisfying their need for preventive oral healthcare.”
Lieutenant General Dr. Vimal Arora, Chief Medical Officer of Clove’s Dentals said that providing cashless dental care to the masses would open a new era of preventive dental care that had been lacking in India and would go a long way towards achieving the goal of public health for all. Less than 7% of the Indian population usually requests dental care from recognized providers and it has been proven beyond any reasonable doubt that oral health is directly related to cardiac, endocrine, neurological and osteoporosis disorders.
“Moreover, it also affects pregnancy negatively and has an important effect among breastfeeding mothers. Our rapidly expanding team of 750 highly trained dentists in 342 modern clinics in 24 cities provides easy access to ICICI clients in efficient and timely dental care. Our AI-powered technologies and dental quality management protocols ensure that every patient receives the right treatment, from the right specialists, at the right time, at the right cost, and with the least amount of pain.Clove Dental’s super specialty team also performs complex surgeries and implant rehabilitation and cosmetic treatments as well as recent advances in orthodontics and day-to-day dental implants.”
Extending ICICI Lombard’s customer-centric approach, the new partnership will also provide quality care, hygiene standards, ethical treatment and standardized pricing to clients, according to the release.
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