Estimate how much of an accident-related dental hospitalisation bill you pay yourself after co-pay and non-payable items.
Most Indian health insurance policies pay for dental treatment only when it is needed because of an accident and requires hospitalisation, and only under the policy's own wording. If your claim falls into that window, this calculator shows roughly how the bill is shared.
Enter the admissible claim amount (the bill after the insurer removes items the policy never pays), the co-pay percentage in your policy, and the value of non-payable items or amounts above any sub-limit that you will pay in full.
Formula: your share = admissible amount × co-pay % + non-payable items; insurer pays = admissible amount − your share.
Worked example (illustrative): an admissible amount of ₹60,000, a 10% co-pay and ₹4,500 of non-payable consumables. Your share = 60,000 × 10% + 4,500 = ₹10,500. The insurer pays about ₹49,500.
Limits: this is a simplification. Real settlements also depend on room-rent limits, deductibles, the sum insured left and the exact exclusion wording. Routine dental work such as implants, root canals or cleaning is usually not covered at all. Read what health insurance covers for dental treatment and check your policy wording.
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