An Introduction to Dental Insurance
Dental insurance is designed to help you look after the dental health of you and your family and can be tailored to give you the best fit solution in terms of the cover level you require.
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What Does a Dental Plan Cover?
Dental plans can usually be arranged to pay out in the event of the policy holder needing standard or emergency dental treatment and should also cover the cost of check-ups.
Cover can be arranged to pay for - or contribute towards - the cost of treatment, whether you are registered with an NHS dentist or a private practice. For the latter, you would need to take out a private dental insurance policy.
Typical cover should pay out towards; examinations, scale & polish, diagnostic tests (such as X-ray's) and any standard/emergency treatment which is needed by the patient. The amount paid out by your dental insurance plan will vary depending on the cover level you opt for and claims will be limited to a specified number in any one year.
Why Buy Dental Insurance
UK dental plans are designed to help give you peace of mind when it comes to footing the bill for costly treatment. Dental insurance can be set up to cover an individual as well as usually being offered for couples and families.
A dental plan allows you to be treated by any dentist, which is particularly important given the shortage of NHS dentists in the UK, and can be tailored to suit your budget and individual needs.
Typical exclusions are likely to be; a 2-3 month period from the start of your dental insurance policy in which you cannot claim, treatment for pre-existing conditions and the cost of any work required during your first check-up if you have not seen a dentist for some time. For these reasons, it is vital to check the terms and conditions carefully before committing to purchasing your policy.
Guide To Dental Insurance
For more information on choosing the right dental insurance cover for you and your family, please read our guide to dental insurance which contains tips and advice on ensuring you are adequately protected.