Dental insurance UK - individual, family, or senior

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Why take out dental insurance? There is a recognised shortage in this country of dentists who are available to carry out NHS treatment. If you are one of the thousands of people faced with the inevitable cost of 'going private', whether you may be an individual, senior, or with family, you may find it beneficial to take out some dental insurance. Even patients who receive NHS treatment can benefit from this type of cover.

Taking out private cover means that you are eligible to claim money back each time you visit the dentist, even if you receive treatment on the NHS. If you receive private dental care, you can claim for routine check-ups and treatment, plus any emergency work or serious dental problems. You should also be able to choose the dentist that treats you.

I have got several quotes for dental insurance, but I don't understand all the different types of treatment that you can receive?

It is important that you understand what your insurance policy entitles you to, and you should therefore try to get to grips with some of the terminology. The key definitions that companies use to describe different levels of care are outlined below:

Routine treatment - this includes any treatment carried out by a registered dentist or dental hygienist.

Treatment of dental emergencies - this covers acute pain or swelling.

Treatment of dental injuries - any treatment carried out as a result of accidental impact, namely an injury to the face, teeth or jaw. This includes all necessary consultation, dentist and surgeon fees, plus any hospital charges.

Treatment of serious dental problems - as above but includes treatment of other problems such as dental abscesses, cysts, and other serious conditions. It may also cover any necessary reconstructive surgery that follows treatment of these conditions.

I need treatment but only took out the policy a few weeks ago - can I make a claim?

Most companies require you to 'enrol' a certain number of months before using the plan. This time period is usually somewhere between three and six months. However, it is always worth checking with your plan provider whether you are eligible to make a claim.

Does it cost more for older people to get insured?

The price may initially be more for older applicants, however once your cover starts, your premiums should not increase with age.

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