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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:
- General dental treatment can only be claimed after the first 3 months from the day the plan starts. This is known as a qualifying period.
- There is normally a 14-day qualifying period before you will be covered for a dental emergency.
- General dental treatment and dental emergencies are not included for anyone under the age of 18, because under 18's are entitled to receive free treatment under the NHS.
- Dental conditions already existing at the time of signing the policy will not be covered.
Hot Topics
- How can I pay my dental insurance premiums?
- You can pay your dental insurance premiums by monthly direct debit or with an annual one-off payment.
- 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.
- 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.
- How is dental insurance regulated?
- The private medical and dental insurance industries are regulated by the General Insurance Standards Council (GISC).
Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -
- What exactly is dental insurance?
- How do I buy dental insurance?
- How does dental insurance work?
- What is covered by dental insurance?
- How can I pay my dental insurance premiums?
- Can dental insurance be incorporated into my private medical insurance policy?
- What are the different levels of cover available to me?
- What happens if I have a dental emergency?
- Who do I ask for advice on where to buy my dental insurance?
- How do I make a claim?
- I need treatment but only took out the policy a few weeks ago - can I make a claim?
- How long does it take to settle a dental insurance claim?
- If I don't make any claims on my dental insurance policy, will I get a discount?
- Is there a maximum payout per year?
- What will affect my premium in future?
- Do dental insurers offer a money-back guarantee?
- Does it make any difference if I buy my dental insurance through a broker?
- How is dental insurance regulated?
- What do I do if I have a complaint?





