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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:
How do I make a claim?
Making a claim is easy. When you receive your insurance documents, you will receive a full client information pack that will include your Insurance Certificate, Claims Forms and Help line Card, with a range of contact numbers.
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.
How is dental insurance regulated?
The private medical and dental insurance industries are regulated by the General Insurance Standards Council (GISC).

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.

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