How is dental insurance regulated?

The private medical and dental insurance industries are regulated by the General Insurance Standards Council (GISC).

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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.
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:
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.
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.
An independent, non-statutory organisation, the GISC regulates the sales, advisory and service standards of its Members - including insurers, intermediaries, and any other parties acting on their behalf.

The main aim of the GISC is to ensure that people buying insurance are treated fairly.

If you buy an insurance policy through an individual or a company who is not a member of the GISC, you will not be protected by its legislation.

Their contact details are as follows:

General Insurance Standards Council
9 th Floor, 110 Cannon Street
London EC4N 6EU
Phone: 0845 601 2857
Email: complaints@gisc.co.uk

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