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.

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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.
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 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.
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.
This means that if you need to visit the dentist for any reason - you don't have to worry about paying the ever-rising costs.

Higher levels of cover will include routine check ups. If you are happy to pay for check ups, but want all further treatment to be covered, then you simply need to choose the standard level of dental insurance cover.

After receiving the treatment and paying the dentist, you will then make a claim on your insurance.

As with a car insurance policy, you will sign up for a year with a dental insurance company and pay your premiums either monthly or annually. It is up to whether to renew with your insurer each year or not, but you will be issued with a renewal and details of your new premiums every year at renewal time.

Frequently Asked Questions related to the above topic.
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