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

Hot Topics

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.
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.
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:
Do dental insurers offer a money-back guarantee?
If you decide that you don't want to take out your dental insurance policy, you will normally be offered a money-back guarantee.
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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