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.

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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.
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.
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.
You will not need to have a dental examination before being accepted on the policy.

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