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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.
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.
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.
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 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:

  • General restorative treatment - e.g. fillings, extractions
  • Remedial Care - e.g. root treatments, repairs to crowns, bridges or dentures, anaesthetics, periodontal care (gums)
  • Major Restorative Care - e.g. new crowns, bridges and dentures.
  • Orthodontics
  • Full reimbursement of NHS treatment charges
  • Accidents and injuries

Routine dental examinations will only be covered if you choose a higher level of dental insurance, and does not come as standard with most dental insurance policies.

One of the major benefits to dental insurance is that you can use any dentist.

Frequently Asked Questions related to the above topic.
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