What are the different levels of cover available to me?

Because many insurance companies word their types of cover in different ways, there is no 'one way' to explain the kinds of cover that are available to you.

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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 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:
Can dental insurance be incorporated into my private medical insurance policy?
You will be able to get dental treatment cover within your private medical insurance policy, as long as you are prepared to get a higher level of cover and naturally, pay more than the standard amount.
What happens if I have a dental emergency?
In case of a serious dental emergency due to an accident or injury – you will always be able to receive care, as you will be covered by the NHS.
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.
Also, some companies may have more than two different levels of cover. These are the types that will generally be available.

Standard cover - restorative treatment - e.g. fillings, extractions; remedial care - e.g. root treatments, repairs to crowns, bridges or dentures, anaesthetics, periodontal care; major restorative care - e.g. new crowns, bridges and dentures; orthodontics and reimbursement of NHS treatment charges.

Comprehensive cover - as above, with the addition of having routine medical examinations included.

Emergency dental treatment is covered by the NHS. However any extra treatment arising from the emergency to bring your teeth back to their former health will be covered by your dental insurance.

Frequently Asked Questions related to the above topic.
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