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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 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.
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.
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:

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.

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.

Frequently Asked Questions related to the above topic.
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