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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.
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.
What will affect my premium in future?
Premiums will always rise in line with general inflation – however there are a number of other factors that will affect the cost of your dental insurance:
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.

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.

With some companies, this can be as long as six months. However, it is always worth checking with your policy provider whether you are eligible to make a claim.

Cover for dental emergencies does not require such a long qualifying period. Most policies allow you to claim on a dental emergency after just 14 days.

Frequently Asked Questions related to the above topic.
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