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Dental health is a non life threatning exercise, at least that is what it seen as in the Risk assessment. So they classify as a beutification exercise than health. And it is treated as a different subclass within insurance. Hence the high premiums.

People may use insurance for their teeth whitening and denture symmetry operations, which would be difficult to challenge that they are more for beauty and root canal or dental surgery is for health, hence there is a caveat for dental insurance and premiums are pricier.