Dental Insurance
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It is important to look after the dental health of you and your family, but this can be expensive. It may be cheaper to purchase a dental insurance policy to help cover the costs of dental care.
Dental Insurance coverage for individuals or families offers protection against dental costs. It insures against the expense of dental treatment and care, as well as covering dental disease and accidental damage to teeth. Dental insurance is an affordable way to cover dental costs and can give you the option of choosing either an NHS or private dentist.
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What is dental insurance?
Dental insurance helps cover the cost of dental care and can help to make treatments more affordable. Usually, you will pay your dentist upfront for any treatment you get and then make a claim for the money back from your insurer afterwards. This type of insurance can cover routine dental care like check-ups and X-rays. It can also help with restorative work such as fillings.
Keep in mind that dental insurance won’t cover treatments your dentist said you needed before you signed up. So before you join, it’s crucial to understand what your policy covers and what it doesn’t.
Is dental insurance worth it in the UK?
You might be wondering if dental insurance is really necessary in the UK, especially with NHS dental services available. The truth is, for many, dental insurance can be a huge money saver.
Even with NHS dental care, the cost of extensive work can run into the hundreds. And NHS dentists are now becoming more difficult to find, with many rarely accepting new patients.
This leaves a large portion of people in the UK registering with private dental practices to get the care they need. The UK private dental industry is regulated for treatment, but not prices. This means prices are set by each dental practice. So, these typically come with higher fees that vary significantly.
Types of dental insurance plans
There are different types of dental insurance plans in the UK, and choosing the right one depends on your needs. Some of the main options include:
1. NHS-only Plans
These plans cover NHS treatments, helping with the cost of routine care like check-ups, fillings, and extractions.
2. Private Plans
These give you access to private dental care, which typically offers shorter waiting times and a wider range of treatments, including cosmetic procedures.
3. Mixed Plans
A blend of both NHS and private coverage. You get the best of both worlds—routine NHS care and private treatment for more complex procedures.
How does dental insurance work?
Getting money back from your dental insurance is fairly straightforward. After you see the dentist, you’ll need to send in a claim form (which can normally be done online). You also have to include a receipt from your dentist.
The insurance company will look at your claim. If they say yes, they’ll pay you back for what they cover. Some insurance companies might even pay your dentist right away. This means you don’t have to pay upfront for expensive dental work.
Remember, for some dental treatments, you might need to get the okay from your insurance company first so it’s always a good idea to check with them before you go ahead with any big dental procedures.
What does dental insurance cover?
Common treatments covered by dental insurance
Each dental insurance plan is different and so what they cover won’t be the same for every policy. However, you will often find a standard insurance plan will cover the following:
- Regular check-ups and cleaning
- Some NHS treatments like fillings and crowns
- Dental emergencies and accidents
- A one-off payment for mouth cancer
- Root canals
If you need more advanced care like orthodontics or dental implants, some plans might offer partial coverage. But this varies between providers, so always read the small print to see exactly what your plan covers.
Limitations and exclusions in dental insurance
Each policy will be different and have different limitations and exclusions so it’s always worth checking the fine print carefully before you buy. In general, the following treatments tend to not be covered by your standard dental insurance:
- Initial claim-free period: Most providers will have a period of time (usually around 3 months) when you won’t be able to make a claim unless it’s for a routine checkup.
- Pre-existing dental problems: You often won’t be covered for any problems you or your dentist were already aware of before you got the insurance.
- Cosmetic work: Things like teeth whitening, braces (unless they are part of necessary NHS treatment) or any other treatments that aren’t considered as clinically necessary often won’t be covered.
How much is dental Insurance in the UK?
The cost of dental insurance in the UK, like any other insurance policy can vary widely depending on the level of coverage you go for. The cost of your plan will also depend on factors like age, dental health, and whether you opt for private or NHS coverage. To get accurate costs for your dental insurance needs, you can get personalised quotes from insurers.
Dental Insurance FAQs
How can I find the best dental insurance plan?
Does standard health insurance cover dental?
What are the main benefits of having dental insurance?
Will I lose my NHS dentist if I go private?
What is the difference between dental insurance and health insurance?
Reviewed by: Lee Evans
Business & Leisure Insurance Expert
Written by: Katie Gawley
Insurance Content Writer
Fact-checked by: Quotezone Editorial Team
This content follows our Editorial Guidelines
Last Updated: 24 October 2024