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.
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.
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.
If I don't make any claims on my dental insurance policy, will I get a discount?
There is no such thing as a no claims discount in dental insurance.
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:
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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