Choose the right dental insurance cover for you
We understand that everyone’s different. That’s why we offer a choice of cover so you can pick the right one for you. Our Premium cover is suitable if you have private dental treatment. If you have dental treatment on the NHS, you might like to go for our Core dental cover.
Our Core dental insurance cover
This Core dental cover means you can get a range of treatment on the NHS without having to worry about the cost (subject to the terms of your plan). So you can have routine check-ups, hygiene treatments as well as more complicated treatment such as crowns, fillings and bridges.
What’s covered?
Our Core dental cover includes:
- Routine examinations, hygiene treatments, periodontal (gum disease) treatments on the NHS.*
- Dental treatment on the NHS that aims to repair damage or cure a dental problem rather than just treat its symptoms. This could be fillings, crowns, bridges and dentures as well as other similar treatment (after being a member for one month).*
- Worldwide accident cover. Up to £2,500 towards treatment following a dental accident for up to four incidents per person per policy year.*
- Mouth cancer cover, even if you smoke. We'll pay up to £12,000 towards one course of treatment per person, received within 18 months following diagnosis.
- Hospital cash benefit of £60 per night up to 30 nights per person per policy year. Hospital cash benefit for each night you received in-patient treatment under the NHS in relation to dental accidents or mouth cancer.
- Choice of visiting any NHS or private dentist treatment for accidents or emergencies.
*Available after being a member for one month.
What’s not covered?
Here are the main exclusions and limitations of cover (and you can find full details in the membership handbook).
- Routine examinations, hygiene treatments, periodontal treatments, and dental x-rays received as a private patient.
- Claims for costs incurred for periodontal treatment, dental x-rays, remedial or restorative treatment, which had been identified as necessary, by a dentist, before you joined.
- NHS dental treatment costs for treatment prescribed, commenced, completed or paid for prior to the commencement date of this policy or within the first month of joining.
- Claims for any costs incurred for treatment, other than for routine check-ups and hygiene treatment, which you ought reasonably to have known you needed before the date you joined.
- Claims under the dental accident benefit for dental treatment required as a result of an incident that occurred prior to the commencement date of the policy, or within one month of joining.
- Claims under the emergency benefit for dental treatment costs incurred prior to the commencement date of the policy, or within one month of joining.
- Claims for courses of NHS dental treatment if you live outside the United Kingdom for six months a year.
- Mouth cancer diagnosed before, or within 90 days after, the commencement date of the policy or for which tests or consultations began within those 90 days, even if the diagnosis is not made until later.
- Cosmetic treatment, tooth whitening, orthodontics or any treatment not deemed to be clinically necessary, unless as part of a course of NHS dental treatment.
- Sporting injuries where a mouthguard or other recommended protection is not worn, unless treated on the NHS.
Our Premium dental insurance cover
Our Premium cover means you can get a range of treatment privately or on the NHS without having to worry about the cost. That includes things like routine check-ups and hygiene appointments, as well as more extensive treatment such as crowns, filings and bridges.
What’s covered?
Our Premium dental insurance cover includes:
- Private treatment for routine examinations, hygiene treatments, periodontal (gum disease) treatments and dental x-rays up to £175 per person (after being a member for three months).
- 50% towards the cost of private dental treatment that aims to repair damage or cure a dental problem rather than just treat its symptoms. This could be fillings, crowns, bridges and dentures as well as other similar treatment. You can get this after three months of being a member. We have a limit of £1000 per person per plan year. Within this limit we’ll pay a maximum of £500 per person per year towards the cost of crowns, bridges, dental implants, inlays and onlays.
- Worldwide accident cover. Up to £2,500 towards treatment following a dental accident for up to four incidents (available after one month).
- Mouth cancer cover even if you smoke. We'll pay for up to £12,000 towards one course of treatment per person, received within 18 months following diagnosis.
- Hospital cash benefit of £60 per night for up to 30 nights per person per policy year. Hospital cash benefit for each night you received in-patient treatment under the NHS in relation to dental accidents or mouth cancer.
- Choice of visiting any NHS or private dentist treatment for accidents or emergencies.
What’s not covered?
Here are the main exclusions and limitations of cover (and you can find full details in the membership handbook).
- Claims for costs incurred for periodontal treatment, dental x-rays, remedial or restorative treatment, which had been identified as necessary, by a dentist, before you joined.
- Treatment costs for routine examinations, hygiene treatment, periodontal treatment, dental x-rays, remedial or restorative treatment prescribed, commenced, completed or paid for prior to the commencement date of this policy or within the first three months of joining.
- If you have not attended the dentist for a routine check up in the 12 months immediately prior to the commencement date there is no cover for any periodontal treatment, dental x-rays, remedial or restorative treatments identified as necessary at your first appointment.
- Claims for any costs incurred for treatment, other than for routine check-ups and hygiene treatment, which you ought reasonably to have known you needed before the date you joined.
- Claims under the dental accident benefit for dental treatment required as a result of an incident that occurred prior to the commencement date of the policy, or within one month of joining.
- Claims under the emergency benefit for dental treatment costs incurred prior to the commencement date of the policy, or within one month of joining.
- Claims for courses of NHS dental treatment if you live outside the United Kingdom for six months a year.
- Mouth cancer diagnosed before, or within 90 days after, the commencement date of the policy or for which tests or consultations began within those 90 days, even if the diagnosis is not made until later.
- Cosmetic treatment, tooth whitening, orthodontics or any treatment not deemed to be clinically necessary, unless as part of a course of NHS dental treatment.
- Sporting injuries where a mouthguard or other recommended protection is not worn, unless treated on the NHS.
*Lines are open 8am to 7pm weekdays and 9am to 1pm Saturdays. We may record and/or monitor calls for quality assurance, training and as a record of our conversation.