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 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.
Who do I ask for advice on where to buy my dental insurance?
When you are looking for dental insurance it is well worth doing thorough research – not only to get the cheapest deal but also to make sure that you get the right policy for your needs.
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:
Does it make any difference if I buy my dental insurance through a broker?
Using a broker could save you money when it comes to dental insurance – because they will be able to get a quote from all the dental insurance providers in the UK.
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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