6 Best Dental Insurance Policies In The UK | Best dental Insurance for Implants in 2022

6 best UK Dental Insurances Policies

Best Dental Insurance Policies
Best Dental Insurance Policies

** We do not provide or sell Dental Plans, this is just our findings, we are not able to advise**



What is dental insurance? 

Dental insurance, when boiled down, is just a plan that pays for your dental care. In the UK, this can be done either privately or through the NHS. After paying for the dental work, you submit a reimbursement request to your insurance companies.

What good is dental insurance if we have the NHS, you might be asking?

It's a frequent fallacy, but you still have to pay for your NHS dental care unless you're under 18, enrolled in full-time school, or pregnant. For instance, the NHS charges £22.70 for a straightforward dental exam that falls under Band 1.

Additionally, the entire purpose of dental insurance is to pay for NHS care or a portion of the cost of private treatment.








Benefits of dental insurance: 

  • The majority of insurance companies typically include emergencies and accidents in their policies, making them useful in times of crises or accidents. Most certainly, you would significantly reduce your costs by doing this.
  • Payment options are flexible; you may choose to make monthly or yearly installments (they work out what is best for you)
  • Depending on the type of coverage and whether the policy is for a single person or a group, like a family, prices can be negotiated.
  • Dental insurance companies assist with the cost. Private therapies are sometimes partially covered by your insurance provider while NHS treatments are typically reimbursed in full or virtually in full.
  • Having dental insurance opens up more treatment possibilities.

Drawbacks of dental insurance: 


  • Can be highly expensive if it is not a requirement for you. For instance, if your teeth are in excellent condition and you take good care of them, you would be paying for insurance that you would not frequently use (costing you extra!).
  • Most policies specify that you cannot make a claim for the first few months, usually between three and six.
  • Not all treatments, such as aesthetic procedures, are covered; if the procedure you want is not included, you will be responsible for paying the cost.
  • There is typically a yearly cap on the amount you can claim, and it is reset each year.


Top 6 Dental Insurance policies in the UK:


AXA: 

dental insurance Axa

Axa cover a range of healthcare covers for personal use, small businesses or corporate. They have two dental care policies. 

Core dental plan: 

  • NHS treatment 
  • Routine examinations, hygiene treatments, periodontal treatments 
  • Treatments and dental x-rays on NHS (claim after 1 month) 
  • Treatments on the NHS to repair any damages such as fillings, crowns etc. (after 1 month) 
  • Worldwide dental cover – up to £2500 dental accident (for 4 accidents) 
  • Oral cancer cover 
  • Hospital cash benefit – up to £60 per night for 3 nights 
  • Annual premium = £119.58 
  • No limit on check-up claims 

Premium dental plan: 

  • Private treatment 
  • 50% towards the cost of private dental treatment (after 3 months) 
  • Annual premium = £256.04 









Boots: 

Dental Insurance boots

Boots offer three different dental insurance plans.

All plans cover: 

  1. Routine treatments i.e. check-ups, fillings, dentures 
  2. Contribution towards the cost of NHS treatments 
  3. Hospital cash benefit 
  4. Emergency dental treatment 

Core: 

  • Individual cover starting price = £10.82 per month 
  • NHS treatment only 
  • 1 = up to £500  
  • 2 = up to £500 
  • 3 = up to £5000 
  • 4 = not covered 
  • Claim after 3 months 

Level 1: 

  • Individual cover starting price = £15.82 per month 
  • NHS treatment and contributions towards private treatments 
  • 1 = up to £750 
  • 2 = up to £1000 
  • 3 = up to £5000 
  • 4 = up to £5000 

Level 2: 

  • Individual cover starting price = £23.02 
  • NHS treatment and higher contributions towards private treatment than level 1 
  • 1 = up to £1000 2 = up to £1500 
  • 3 = up to £5000 
  • 4 = up to £10,000 

Bupa: 

dental insurance bupa

Bupa offer two different dental policies.

Dental cover 10: 

  • NHS treatment 
  • Routine dental treatment = 100% reimbursement for NHS treatments 
  • Dental treatments = 100% reimbursement for NHS treatments 
  • Emergency cover = 100% reimbursement for NHS treatments 
  • Injuries = 100% reimbursement for NHS treatments 
  • Oral cancer treatment = no annual limit – paid in full, all expenses covered if treated at a partnership consultant (claim after 6 months)  

Dental cover 20: 

  • Private dentist 
  • Routine dental treatment = £150 per year (claim after 4 months) 
  • Dental treatments = up to 75% off treatment costs, total of £700 per year 
  • Emergency cover = up to £600 per year 
  • Injury = up to £5000 per year 
  • Oral cancer = no annual limit – paid in full, all expenses covered if treated at a partnership consultant (claim after 6 months) 

WPA: 

dental insurance WPA

WPA offer two different dental plans.

Level 1: 

  • From £2.55 per week 
  • NHS treatment only 
  • General dental treatment = 100% costs claimed back (after 30 days) 
  • Emergencies = 75% of costs up to £500, only 2 claims (after 14 days) 
  • Injuries = £10,000 (claim after 14 days) 
  • Oral cancer = £10,000 (claim after 90 days) 
  • Hospital cash benefit = £200 per day/night, up to a maximum of £2000  

Level 2: 

  • From £3.63 per week 
  • NHS or private treatment  
  • General dental treatment = 75% of treatment costs up to £250 
  • Emergencies = 75% of treatment costs up to £1000 – maximum 4 claims  
  • Injuries = £20,000 
  • Oral cancer = £10,000 
  • Hospital cash benefit = £200 per day/night, maximum of £2000 

Dencover: 

dental insurance dencover

There are 5 different dental insurance plans available; NHS, Silver, Gold, Platinum and Diamond. Wherein the price increases as the benefits of the package increases. 

NHS: 

  • Cover starts from £6 per month 
  • Routine dental treatment = £22.70 annual policy limit, claim 100% back – claim back immediately  
  • Scale & polish = £22.70 annual policy limit, claim 100% back – claim back immediately 
  • Fillings, extractions, dentures etc. = £124.20 annual policy limit, claim 100% back (after 60 days) 
  • Accident = £2500 annual policy limit, claim 100% (after 15 days) 
  • Emergency = £425 annual policy limit, claim 100% back (after 15 days) 
  • Oral cancer = £2500 annual policy limit, claim 100% back (after 60 days) 

Gold: 

  • Cover starts from £9 per month 
  • Routine dental treatment = £55 annual policy limit, claim 100% back – claim back immediately 
  • Scale & polish = £65 annual policy limit, claim 80% back – claim back immediately  
  • Fillings, extractions, dentures etc. = £410 annual policy limit, claim 55% back (after 60 days) 
  • Accident = £7500 annual policy limit, claim 100% back (after 15 days) 
  • Emergency = £850 annual policy limit, claim 100% back (after 15 days) 
  • Hospital cash benefit = £50 per night, claim 100% back (after 90 days) 
  • Oral cancer = £7500, claim 100% back (after 60 days) 

Simplyhealth:

dental insurance simplyhealth

Simplyhealth offer different dental policies, ranging in price.

Level 1: 

  • £9.55 per month 
  • Claims must be made after a 3-month period 
  • Dental check ups = £45 
  • Scale & polish = £35 
  • Treatments = £200 
  • Emergency = up to £500 
  • Accidents = up to £5000  
  • Hospital cash benefit = £50 per day/night – up to 20 days/nights per year  
  • Oral cancer = £5000  

Level 2: 

  • £15.92 per month 
  • Claims must be made after a 3 month period 
  • Dental check ups = £75 
  • Scale & polish = £65 
  • Treatments = £400 
  • Emergency = up to £500 
  • Accidents = up to £5000  
  • Hospital cash benefit = £50 per day/night – up to 20 days/nights per year  
  • Oral cancer = £5000 

Level 3: 

  • £22.56 per month 
  • Claims must be made after a 3-month period 
  • Dental check ups = £105 
  • Scale & polish = £95 
  • Treatments = £600 
  • Emergency = up to £500 
  • Accidents = up to £5000  
  • Hospital cash benefit = £50 per day/night – up to 20 days/nights per year  
  • Oral cancer = £5000 

 

Conclusion:

In conclusion, deciding whether to purchase dental insurance depends on its necessity and the kind of insurance you want. Whether I choose NHS or private dental care, I would personally pick Bupa dental insurance since it is really simple and I know exactly what I would be getting into. When choosing which insurance policy to purchase, it's crucial to consider the costs that are offered.

Boots, on the other hand, is the insurer I'm least inclined to purchase from because the initial policy they provide doesn't cover urgent dental care. Since this is one of the major reasons I'm considering dental insurance, I expect all policies to have this coverage. As a result, even if they do include this in their other, more expensive options, I am less inclined to select this supplier.

These are just my personal opinions about the things I would personally select, in general. Despite this, all of the mentioned insurance companies are quite profitable, so it's crucial that you choose the plan that's ideal for you.



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