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How does dental insurance work?
Dental insurance is exactly like car insurance or home insurance – it is there to support you when you need it. Once you have signed up for a policy, you will pay your premiums on a yearly or monthly basis, whichever you prefer.
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:
How can I pay my dental insurance premiums?
You can pay your dental insurance premiums by monthly direct debit or with an annual one-off payment.
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.
What happens if I have a dental emergency?
In case of a serious dental emergency due to an accident or injury – you will always be able to receive care, as you will be covered by the NHS.

Does it make any difference if I buy my dental insurance through a broker?

Using a broker could save you money when it comes to dental insurance - because they will be able to get a quote from all the dental insurance providers in the UK.

In fact, according to The Association of British Insurers (ABI) - in 75% of cases a broker will be able to secure a cheaper deal than buying direct from the insurance company.

On this website we work with the Private Health Partnership - leading brokers who have strong relationships with every single dental and medical insurance provider in the UK. When you request a quote you will receive in the post a quotation from each insurer who meets your requirements. The Private Health Partnership will recommend two of these policies, however at the end of the day it is up to you which policy you want.

Brokers do not charge you for finding them the best insurance deal, they receive commission from the insurance companies. It's a good idea to ask how much commission they make on each sale - they are legally obliged to pass on this information though they will not volunteer it.

Another advantage to a good registered broker is that if you have a complaint that you cannot resolve yourself, they will represent you.

Frequently Asked Questions related to the above topic.
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