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How do I buy dental insurance?
You can buy private medical insurance from a variety of sources, normally through the same companies or brokers who provide private medical insurance.
What is covered by dental insurance?
Dental insurance is designed for people aged over 18 that cannot get free NHS dental treatment. The following incidences are generally covered:
What is not covered by dental insurance?
Dental insurance is a good all-encompassing policy, and does not have many exclusions. However, here are a few pointers worth remembering:
I need treatment but only took out the policy a few weeks ago - can I make a claim?
It is an industry standard for dental insurance companies to deny you full cover for the first 3 months of your insurance plan.
If I don't make any claims on my dental insurance policy, will I get a discount?
There is no such thing as a no claims discount in dental insurance.

Can dental insurance be incorporated into my private medical insurance policy?

You will be able to get dental treatment cover within your private medical insurance policy, as long as you are prepared to get a higher level of cover and naturally, pay more than the standard amount.

A basic budget medical policy will not include normal dental treatment. However - if you have an accident or suffer an injury to your teeth, that will count as a medical emergency, and you will be insured for private treatment.

Higher, comprehensive levels of cover often include general dental treatment, so if this is a requirement of yours, make sure you shop around to find a private medical insurance policy which does offer dental cover. Since most dentists are private now, costs for dental treatment can be high, and are often worth insuring against.

Frequently Asked Questions related to the above topic.
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