1. Traditional Metal Braces

One of the most well-known and widely used orthodontic treatments for various teeth alignment issues is traditional metal braces. These braces are made from high-quality stainless steel and consist of brackets, archwires, and elastic bands. By applying gentle pressure, metal braces gradually shift the teeth into the desired positions. Despite their noticeable appearance, they are highly effective and typically more affordable compared to other teeth aligners cost in India.

2. Ceramic Braces

For people seeking a less noticeable alternative, ceramic braces offer a much better solution. These braces mainly look like metal braces but feature tooth-coloured or clear ceramic brackets that blend with the natural tooth colour. This feature makes the ceramic braces less visible, particularly from a distance. However, it is important to note that ceramic braces may be more prone to staining and generally have a slightly higher cost than metal braces.

3. Lingual Braces

Lingual braces are a discreet option as they are placed on the back surface of the teeth, facing the tongue. Similar to traditional braces, they make use of brackets, archwires, and elastic bands but are customised to fit each individual’s teeth contours. Lingual braces provide the advantage of being virtually invisible from the outside.

However, they may require more time to adjust to and require strict and consistent oral care practices. Additionally, not all cases are suitable for lingual braces, as they may affect tongue movement and speech in some individuals.

4. Self-Ligating Braces

Self-ligating braces use a sliding mechanism instead of elastic bands to secure the archwire in place. This design reduces friction and the need for frequent adjustments, potentially shortening the overall treatment time. Self-ligating braces also offer improved comfort and hygiene in your mouth compared to traditional braces. They are available in both metal and ceramic variations, providing patients with a wide variety of choices.

5. Clear Aligners

The use of aligners has gained significant popularity due to their nearly invisible and removable aligner trays that can be conveniently used. This treatment involves a series of clear, custom-made aligner trays that gradually move the teeth into the desired positions. Clear aligners are removable, making it easier to clean teeth and having fewer restrictions during meal choices.

However, effectiveness with this method relies on strict compliance, as the aligners must be worn for the recommended duration of at least 20-22 hours per day. This method of treating teeth alignment issues is often favoured by adults seeking a discreet orthodontic option with a broader budget for teeth aligners cost in India.

 Individuals looking for orthodontic treatment now have a range of braces to choose from, thanks to advancements in the orthodontic field. Whether you opt for classic metal braces, ceramic braces, hidden lingual braces, removable clear aligners, or efficient self-ligating braces, there is an option to suit your preferences and dental needs. Consulting with an orthodontist will help determine the most suitable type of braces for your unique case. Remember, the ultimate goal is to achieve a beautiful, healthy smile that boosts your confidence and oral well-being.

Health insurance jargon can be confusing when buying coverage. Deductibles are often misunderstood. Should you choose a high or low-deductible health insurance plan? Are any plans useful? Let’s compare health insurance plans if you’re confused. First, understand health insurance deductibles.

Health insurance deductibles?

You must contribute to the claim settlement. This is called a deductible. Health insurance has mandatory and voluntary deductibles. The mandatory type usually costs 10% of the claim. If you claim Rs. 1 lakh, you pay Rs. 10,000 for treatment, and the insurer pays the rest. *

The policyholder can choose a voluntary deductible when they buy health insurance online. The voluntary deductible is adjustable. This is how to get a high- or low-deductible health insurance plan. The following sections explain these concepts.

What is high-deductible health insurance?

This plan raises the deductible. If the claim exceeds the deductible, your insurance company will pay. Medical events cost up to the deductible. Insurers cover excesses.

How do high-deductible policies work?

High-deductible health insurance plans let you choose the deductible and coverage. After that, the insurance company will cover any claims that exceed the deductible. *

Example: Consider a Rs. 5 lakh health insurance policy with a Rs. 1.5 lakh deductible. Claim Rs. 3 lakhs. In this case, you will pay the claim up to the deductible (Rs. 1.5 lakhs), and the insurance company will pay the excess if that’s part of your health insurance benefits. Claim settlement is Rs. 1.5 lakhs.

High-deductible health insurance pros and cons

After learning about high-deductible health plans, consider their pros and cons.

So, here’s a summary:

Merits

• Reduced risk lowers your insurer’s premium. Thus, a higher sum insured can cover expensive treatment costs.
• High sum insured coverage is comprehensive. Thus, the policy provides wider coverage.

Demerits

• During claim settlement, a high deductible may cost you *
• You must meet the deductible to file a claim. The policy would fail small claims. *

Should I get high-deductible or low-deductible health insurance?

Since high and low-deductible health insurance plans have pros and cons, you may be wondering which to choose. Your choice depends on two factors:

• Coverage needs
• Affordability

You can go for high deductible health plans if:

• You’re young, healthy and less likely to visit the doctor
• You have individual or group or family medical insurance. In such cases, the high deductible policy pays higher claims, and the existing health cover pays up to the deductible
• You want high critical illness and medical emergency coverage without a high premium
• You can cover the high deductible or out-of-pocket expenses *

A low deductible health plan works for you if:

• Existing illnesses mean frequent claims
• Planned treatments require short-term coverage
• Claim settlement expenses should be low *
• You’re willing to pay more for lower deductible coverage *
• If you have health insurance, it’s limited

The choice is yours

Your family’s health, medical needs, and budget determine whether you choose a high- or low-deductible plan. Assess your coverage needs, premium affordability, and family medical insurance coverage to make an informed choice.

We hope this article has informed you about the difference between high and low-deductible insurance plans. There are numerous points to consider, but if you do careful research, you will ensure your family’s safety without spending too much on health insurance policies.

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.