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HDFC Ergo dental coverage query: wisdom tooth extraction

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31 Aug, 2022 by  Sinchan Bhattacharjee

Hello. I have two wisdom teeth in both sides of my mouth, and my dentist as per the latest x-ray(May) told me that once they start hurting I'd require surgery to get them removed. Now, I have 10L cover of HDFC Ergo Optima Restore, in it's first year(purchased last Jan).. will I get coverage for this procedure, when I need it?

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Dental procedures are not covered under optima restore

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01 Sep, 2022
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Hi sinchan,


Dental treatments of any kind are not covered under this policy unless they are caused by accidents.

This is a standard exclusion under most of the policies in the industry unless specified otherwise.


Hope this explanation helps.


Best wishes

Rana Sahib

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