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- What exactly is dental insurance?
- Dental insurance covers you against the cost of all dental treatment – depending on the level of cover you choose to take out.
- 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.
- Do dental insurers offer a money-back guarantee?
- If you decide that you don't want to take out your dental insurance policy, you will normally be offered a money-back guarantee.
- What do I do if I have a complaint?
- If you have a problem with any part of your cover then the first course of action is to speak to your insurer or your broker.
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.
If you have visited the dentist and need to make a claim to refund the costs - all you need to do is fill out a claim form and provide receipts for the treatment. You will normally need to pay for your treatment first and reclaim it in this way, although some insurers may reimburse your dentist directly.
Not all treatments will be covered - for example unless you have a higher level of dental insurance, your routine examination costs may not be covered. Another cost that is often not included in dental insurance is the cost of x-rays and other laboratory work. Before you make your claim, check that you are covered for the treatment.
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?
- What is covered by dental insurance?
- What is not covered by dental insurance?
- How can I pay my dental insurance premiums?
- 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?