What's covered by our Dental Policies

    • Call us on 0800 171 2055* or get a quote online

    • Choosing your cover

      We offer two levels of dental cover depending on whether you visit an NHS or a private dentist.

      Select our Core cover if you visit a NHS dentist.

      Select our Premium cover if you receive private dentist treatment.

      See our full list of what we do and don’t cover for more details about your options.

      Benefits table (what we cover)
      Benefits Core  Premium  
      Routine examinations, hygiene treatments, periodontal (gum disease) treatments and dental x-rays received as an NHS patient.

       


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      Available after one month for Core. Available after three months and up to £125 per person per plan year for the Premium option.

      Routine examinations, hygiene treatments, periodontal (gum disease) treatments and dental x-rays received as private patient.

       

       
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      Remedial or restorative treatments such as, but not limited to, fillings, crowns, bridges and dentures when received as an NHS patient.

       


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      Available after one month for the Core plan. Available after three months and up to £1000 per person per plan year for Premium option. Within this limit, we will pay a maximum of £500 per person per year towards the cost of crowns and bridges

      50% towards the cost of remedial or restorative treatments such as, but not limited to, fillings, crowns, bridges and dentures when received as a private patient.

       

       

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      Worldwide accident cover. Up to £2,500 towards dental accident treatment for up to four incidents.

       

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      Available after one month
      Mouth cancer cover. Up to £12,000 towards one course of treatment charges per person, up to 18 months following diagnosis (smokers are included).

       



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      Available after one month
      Hospital cash benefit up to £60 per night for up to 30 nights for each night you received in-patient treatment under the NHS in relation to dental accidents.

       



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      Choice of visiting any NHS or private dentist for accidents or emergencies.

       

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      Exclusions (what's not covered)

      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 will not be covered.

      Core Cover only: NHS dental treatment costs for treatment prescribed, commenced, completed or paid for:

      • prior to the start date of this plan; or
      • within the first month of joining.

      Premium Cover only: 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 start date of this plan; or
      • within the first three months of joining.

      Premium Cover only: If you have not attended the dentist in the 12 months immediately prior to the start 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 start date of the plan, or within one month of joining.

      Claims under the emergency benefit for dental treatment costs incurred prior to the start date of the plan, 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 start date of the plan or for which tests or consultations began within those 90 days, even if the diagnosis is not made until later.

      Implants, 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 mouth guard or other recommended protection is not worn, unless treated on the NHS.

    • Call us on 0800 171 2055* or get a quote online