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.

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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.
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.
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.
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:
How is dental insurance regulated?
The private medical and dental insurance industries are regulated by the General Insurance Standards Council (GISC).
Basically, whatever level of dental insurance you choose - you will be subject to a maximum payout. However this amount is linked to separate situations, as listed here: general dental treatment, dental emergencies, dental injuries and defined serious oral problems (i.e. oral cancer). Each incidence will have a separate maximum payout. The maximum payout for general treatment will, for example, be considerably less than the maximum payout for dental emergencies and injuries, because the treatment for more serious conditions will be so much more expensive.

Unless you have some extremely serious problems, you are unlikely to reach the maximum payout limit for the year in any area.

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