HDFC ERGO

CHOMP KE SAATH
AB DAANT KO
MILEGA INSAAF.
Launching

A Group Dental Insurance

by HDFC ERGO
Your teeth go through several troubles and still remain uncovered under health insurance.
With CHOMP, give your teeth the justice they deserve.

A host of benefits to make that smile shine brighter

Covers treatments like fillings, extraction, Cashless treatment across 2,500+ dental
root canal and many more clinics in India

Unlimited physical and video consultations* Digital claim process

X-rays and cleaning covered* Single click on-boarding process

No co-pay/deductible Tax benefit under section 80D^

Plan Summary

Parameter Details

Product type Group health

Policy type a. Individual b. Multi-individual (Maximum 4 members)

Policy term 1 year

Minimum age at entry 18 years

Maximum age at entry 45 years

Payout type Cashless + reimbursement

Relationship type Self, spouse, children

Various plans to choose from

Catergory Cover Name Plan 1 Plan 2 Plan 3 Plan 4 Plan 6 RTC Plan 5

Value-added service Preventive consultation

Dental treatment Periodontal treatment cover
Dental treatment Major surgeries cover
Value-added service Preventive investigation
Dental treatment Prosthetic treatment cover - Bridges
Dental treatment Restorative treatment cover
Dental treatment Minor surgical procedures
Value-added service Preventive cleaning
Dental treatment Endodontic treatment cover

Dental treatment Prosthetic treatment cover -

Partial dentures

Dental treatment Prosthetic treatment cover -

Complete dentures (Accidental)

Sum Insured (Per member for multi-individual policy) INR 24,860 INR 2,99,860 INR 3,14,860 INR 3,22,400 INR 3,83,200 INR 34,860
Premium without GST (Individual) INR 140 INR 733 INR 1,379 INR 3,632 INR 10,213 INR 4,761
Premium per member without GST (Multi-individual) INR 134 INR 702 INR 1,309 INR 3,452 INR 9,697 INR 4,523
 Plan Description

Waiting Period Per Claim Payout Number of Claims

Catergory Treatment Type or Option (in INR) in a Year/Unit
(in months)
1. Preventive consultation 3 Physical and digital dental consultations Not applicable Unlimited consultations

2. Preventive investigation 3 Intraoral periapical X-ray Not applicable 5 X-rays

3. Preventive cleaning 3 Prophylactic cleaning Not applicable 1 Cleaning

4. Periodontal treatment cover (5 types) (In simple terms - Gum related problems)
Laser Up to 5,060
a. Curettage 6 1 Quadrant
Manual Up to 3,500

b. Gingivectomy or Gingivoplasty 6 Manual Up to 4,400 1 Quadrant

c. Gingivectomy for orthodontic 6 Laser Up to 5,500 1 Quadrant

d. Gingival flap procedure/osseous

6 Manual Up to 6,600 1 Quadrant
surgery (Including root planning)

e. Crown lengthening 6 Manual or laser Up to 3,300 1 Tooth

5. Major surgeries (5 types)

a. Fracture of jaws and other facial bones 9 Hospitalisation Up to 55,000 1 Procedure

b. Tumor excision 9 Hospitalisation Up to 55,000 1 Procedure

c. Space infections 9 Hospitalisation Up to 55,000 1 Procedure

d. OSMF - Excision of bands 9 Hospitalisation Up to 55,000 1 Procedure

e. TMJ surgeries 9 Hospitalisation Up to 55,000 1 Procedure

Metal Up to 11,200
6. Prosthetic treatment cover - Bridges 12 1 bridge (3 unit bridge)
Ceramic Up to 15,000
7. Restorative treatment cover Silver amalgam; or gic cement Up to 1,000
(In simple terms - fillings) 6 1 Tooth
Composite; or gic light cure Up to 1,540
Normal extraction Up to 1,100
Molar including soft tissue impaction Up to 3,400
6
8. Minor surgical procedures Surgical extraction Up to 2,420 1 Tooth
Impaction completely bony Up to 6,000
Cyst enucleation Up to 5,000
9. Endodontic treatment cover (In simple terms - Root canal and crowning)
Anterior Up to 4,500
a. Root canal treatment 1 Tooth
Posterior Up to 5,000
12
Metal Up to 3,300
b. Crowning 1 Tooth
Ceramic Up to 5,000
10. Prosthetic treatment cover - 1 partial denture unit
12 Cast partial denture Up to 16,500
Partial denture (in a lifetime)
11. Prosthetic treatment cover - Complete Indian material Up to 24,200 1 both arches
0
denture (Accident only) Imported material Up to 34,300 (in a lifetime)

Note

▪ Value-added services are available only in our health service provider network
▪ Under “prosthetic treatment cover - complete denture”, claim will be paid only once during the lifetime of insured person(s)
▪ Under “prosthetic treatment cover - partial denture”, claim will be paid as per the option chosen during the lifetime of insured person(s)
 Glossary

The description mentioned under “In Simple Terms” throughout this policy is only to aid understanding of the offered cover. In case of dispute, the terms
and conditions detailed in the policy document shall prevail.

Dental Terms In Simple Terms

A fixed prosthesis for missing teeth. Bridges can be supported by natural teeth, implants or a combination of
Bridges
teeth and implants

A complete denture is a removable appliance used when all teeth within a jaw have been lost and need to be
Complete Dentures prosthetically replaced. In contrast to a partial denture which have few teeth missing in the jaw, a complete
denture is constructed when there are no more teeth left in an arch or jaw

A crown is a tooth-shaped cover placed over a tooth that is badly damaged or decayed. A crown is made to look
Crown
like and function like a tooth

A surgical process to treat gum related problems, where the gum is first cleaned to remove tartar, then cleaning
Curretage
and removal of inflammation under the gum tissue down to the root of the teeth from bacterial infections

It means removal or cleaning of the cyst by using laser or excavation method to destroy the further growth or
Cyst Enucleation
damage to the underlying structures

Curretage The removal of a broken or decayed tooth from the socket in the bone

It means removal or cleaning of the cyst by using laser or excavation method to destroy the further growth or
Extraction damage to the underlying structures

It means a process of dental restoration in which the dentist first removes the decayed tooth material, cleans the
Filling
affected area, and then fills the cleaned out cavity with a filling material

Fracture of Jaws and Other

It means discontinuity with joints due to injury or accidents causing the fractures or dislocation of facial bone
Facial Bones

Gingival Flap Surgery or Osseous It is a procedure that gets rid of bacteria living in pockets. During the procedure, a dentist cut open your gums,
Surgery removes the bacteria, and repairs damaged bone and grafting to regenerate the lost tissue and bone

It is a surgical procedure to treat pockets cause by gum disease, remove the diseased tissue and reshape or
Gingivectomy or Gingivoplasty recontouring the marginal and proximal gingival tissue

Excision of bands cause due to irritation due to tobacco or vitamin deficiency causing difficulty in opening the
OSMF (Oral Submucous Fibrosis)
mouth

Partial dentures are dental appliances worn by people who have lost one or more teeth in an area in the mouth.
Partial Dentures The replacement teeth are attached to a metal framework or resin framework covered by a plastic pink base
colored to look like the gum tissue along with the attached clasps or rings to hold

A treatment to remove damaged or diseased tooth pulp. Once removed, the remaining space is cleaned and the
RCT (Root Canal Treatment) tooth is sealed off with the thermoplastic material and closed with permanent filling

It is when the dental infections spread to the sinus or spaces or lymph nodes causing swelling and enlargement
Space Infections
of lymph nodes causing pain and suffocation

Temporomandibular Joint It is the surgery of the joint which helps in opening, closing of the mouth and chewing the food due to lateral
Surgeries (TMJ) movements

Tumor Excision It means removal of the excessive growth tissue or cancer site removal

Inform your customers today!

Terms and Conditions Apply. *Option to avail as Value-added service. ^Subject to change in tax laws. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117.
Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read
the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. HDFC Bank Limited (Senapati
Bapat Marg, Lower Parel, Mumbai - 400 013) is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No. CA0010. The above mentioned product is underwritten by
HDFC ERGO General Insurance Company Limited. UIN: CHOMP - HDFHLGP23112V012223. UID: This is strictly for circulation to HDFC Bank employees only.