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Dental Insurance makes sense for anyone but those who have trouble free teeth and who can afford a large bill should they have an accident which causes dental damage. Rising dental bills have been an issue for many years and, with the NHS bearing a reducing share of treatment costs, dental insurance is a sensible way of ensuring that dental costs are affordable.
Dental Insurers in the UK are manyfold - the leading insurer who is promoted by dentists tends to be Denplan (who are owned by AXA-PPP), although, due to the way they assess your premium, costs can vary considerably. With Denplan, the dentist assesses the condition of your teeth and places you in one of five bands - with rising dental insurance costs involved the more treatment your teeth are likely to need. This means that often it's cheaper for most patients to opt for a 'non assessed' dental insurance policy.
Dencover is an alternative many consider. With price plans starting from £6 a month, they have a range of policies, each covering the same risks but each with maximum claim limits. This enables you to be able to buy a policy which will meet your bills whether your dentist is a rural NHS dentist or a city centre private practice.
They will cover Check Ups, Routine Examinations and X-Rays as well as Hygienist fees and treatment (or a scale and polish if your dentist does it themselves). Also covered are: Procedural Work such as Fillings, Simple and Surgical Extractions, Crowns Bridges or Dentures, Root Canal work and cover for dental accidents and emergency work. A one-off payment of up to £12,000 (with the Diamond plan) is made if Oral Cancer is diagnosed. To be eligible, you do need to have had a check up in the 12 months prior to taking out a policy, be under 60, and any treatment needs to be clinically necessary.
A major plus point with the Dencover option is that there are no excesses to pay, which is not the case with some all-encompassing medical plans.
If you have existing private medical insurance, companies such as BUPA and AXA-PPP offer private dental treatment insurance as top ups to their private medical insurance policies.
Boots also offer policies - ranging from around £12 per month (a policy designed to cover the cost of most NHS treatments carried out in England and Wales and contribute towards the cost of NHS treatments in Scotland and Northern Ireland). More expensive plans starting at just over £15 can help with the cost of private treatments as well as providing worldwide accidental cover and offer assistance towards the cost of treating oral cancer.
This content was last reviewed on 06/02/2019