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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 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 are the different levels of cover available to me?
- Because many insurance companies word their types of cover in different ways, there is no ‘one way' to explain the kinds of cover that are available to you.
- How long does it take to settle a dental insurance claim?
- If your claim is simple and straightforward than others – you can expect your claim to be settled within 10 working days.
- Is there a maximum payout per year?
- All dental insurance policies set a maximum payout per year on their policies. Every insurance company varies and you will need to look at your individual policy in detail to find this out.
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.
If you would prefer to pay annually with a one-off payment, you can pay by Visa or MasterCard over the phone or the Internet, or you can send a cheque in the post.
If you choose to pay by monthly direct debit then you will pay the same amount every month, collected from your bank on the same date every month.
At the beginning of the agreement you should be able to choose your monthly repayment date and unless you wish to change it for any reason, the date will remain the same. If you need to change the payment date simply call your dental insurance company to arrange this.
Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -
- What exactly is dental insurance?
- How do I buy dental insurance?
- How does dental insurance work?
- What is covered by dental insurance?
- What is not covered by dental insurance?
- Can dental insurance be incorporated into my private medical insurance policy?
- What are the different levels of cover available to me?
- What happens if I have a dental emergency?
- Who do I ask for advice on where to buy my dental insurance?
- How do I make a claim?
- I need treatment but only took out the policy a few weeks ago - can I make a claim?
- How long does it take to settle a dental insurance claim?
- If I don't make any claims on my dental insurance policy, will I get a discount?
- Is there a maximum payout per year?
- What will affect my premium in future?
- Do dental insurers offer a money-back guarantee?
- Does it make any difference if I buy my dental insurance through a broker?
- How is dental insurance regulated?
- What do I do if I have a complaint?





