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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.
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 can I pay my dental insurance premiums?
You can pay your dental insurance premiums by monthly direct debit or with an annual one-off payment.
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.
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.

What do I do if I have a complaint?

If you have a problem with any part of your cover then the first course of action is to speak to your insurer or your broker.

If your broker is a registered broker and a member of the GISC, they will deal with your complaint on your behalf. However if you are not satisfied with the way in which your complaint is dealt with, then there will be an independent dispute-resolution procedure.

If you bought your dental insurance direct from an insurance company, the first step is to contact them with your problem. They will have their own complaints procedure in place - a stipulation of the General Insurance Standards Council.

If your complaint cannot be resolved, it will progress towards an independent complaints procedure involving either The Financial Ombudsman Service or the General Insurance Standards Council. Your insurance company will advise you on which one you need to contact, and provide full contact details.

Frequently Asked Questions related to the above topic.
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