Dental insurance guide

Dental insurance is becoming a necessity in everyday life due to the increased costs of visiting the dentist. Even routine check-ups can be costly.

For many people, it is getting increasingly difficult to find a dentist who will provide treatment on the NHS, whilst using a private practice can prove expensive. With dental insurance you can claim for treatment whether you choose to go privately or via the NHS. Private dental insurance contributes towards routine treatment, dental emergencies and serious dental problems. You can choose to be treated by any dentist and premiums do not increase with age. Depending on which scheme you choose you usually have to enrol 3-6 months prior to using the plan.

It is important for your health and appearance to look after your teeth, so affordable dental insurance is a sensible precaution.

Common dental insurance definitions

Routine treatment - treatment performed by a registered dental surgeon or hygienist in a dentist's chair.

Dental emergencies - any incident of acute pain, swelling or haemorrhaging.

Dental injuries (accidental) - any dental treatment following a dental injury. In- and out-patient treatment for specialist consultations, surgeons fees, anaesthetists fees, hospital charges, follow up treatment from a dentist. Injuries will be covered from the result of oral impact (an external blow to the face, teeth or jaws).

Serious dental problems - any dental treatment following a dental injury. In- and out-patient treatment for specialist consultations, surgeons fees, anaesthetists fees, hospital charges, follow up treatment from a dentist. Only one insurer will cover serious dental problems and these are:

- Treatment of fractures of the jaws and facial skeleton
- Treatment of oral cancer
- Reconstructive surgery including plastic surgery following a dental injury or oral cancer
- Treatment of cyst, ondotome or tumour of the mouth or jaw
- Treatment of conditions of the salivary glands
- Surgical removal of roots
- Treatment of serious dental abscess
- Treatment of chronic periapical infection
- Surgery to temporomandibular joint

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