Are you in search of trustworthy dental insurance options in the UK? You've come to the right place! In this article, we have examined 10 of the most reputable dental insurance companies operating in the UK. Regardless of whether you require coverage for yourself or your entire family, these companies present diverse insurance plan options to meet your specific needs. Take the time to read this article thoroughly as we give you details and help you identify the ideal dental insurance provider for your unique requirements.
What is Dental Insurance?
Dental insurance is an insurance coverage that helps individuals manage the cost of dental care and treatment. It is designed to offset expenses related to routine dental check-ups, cleanings, and other dental procedures. You pay a monthly or annual premium; policyholders can access coverage for a range of dental services, including preventive care, basic treatments, and major dental procedures.
What Are Dental Insurance Plans?
Dental insurance plans vary in terms of the coverage they offer. Most plans include coverage for preventive care such as routine check-ups, cleanings, and X-rays. Additionally, they may cover basic services like fillings, extractions, and root canal treatments. Some plans also provide coverage for major services, including crowns, bridges, and dentures. It's essential to carefully review the details of each plan to understand the specific services covered and any limitations or exclusions.
What is full coverage dental insurance?
Full coverage dental insurance refers to a type of dental insurance plan that provides comprehensive coverage for a wide range of dental services. These plans often include coverage for preventive care such as routine check-ups, cleanings, and X-rays, as well as coverage for basic services like fillings, extractions, and root canal treatments. Additionally, full coverage dental insurance also includes coverage for major services, including crowns, bridges, dentures, and oral surgeries.
What Does Dental Insurance Cover?
Dental insurance covers every aspect of dental services, including but not limited to:
- Preventive care (routine check-ups, cleanings, X-rays)
- Basic services (fillings, extractions, root canal treatments)
- Major services (crowns, bridges, dentures, oral surgeries)
How Does Dental Insurance Work?
Dental insurance provides insurance plan to its policyholders while on dental treatment. Policyholders can visit in-network dentists to receive covered services at a discounted rate. Depending on the plan, the policyholder may be responsible for paying a deductible, coinsurance, or copayment. Understanding the details of how the insurance works can help individuals make the most of their coverage.
10 Dental Insurance Companies in UK
1. Bupa Dental Insurance
Bupa is one of the UK's most recognized health insurance brands and offers comprehensive dental plans. Its plans range from the basics of NHS treatments and check-ups to more extensive cover for accidents, emergencies, oral cancers and orthodontics. Bupa also avails a wide network of dentists nationwide, making it a convenient option regardless of your location.
2. WPA Dental Insurance
With over a century of insurance experience, WPA offers dental insurance designed for individuals, families and corporate businesses. The plans feature two categories: the NHS plan that covers NHS dental charges in full and the private plan which offers more flexibility with dental practitioners and services.
3. Denplan by Simplyhealth Professionals
Denplan, under Simplyhealth Professionals, offers two main policies: Denplan Essentials and Denplan Care. The former covers routine check-ups, x-rays, and hygiene treatment, while the latter covers restorative treatments and dental emergencies. They also avail supplementary insurance for dental injuries and emergencies occurring abroad.
4. Cigna Dental Insurance
Cigna is renowned for its affordable, flexible, and convenient dental insurance plans in the UK. It provides three levels of coverage: Core, Treatment and Care, and Treatment, Care and Orthodontics. Each level covers routine NHS treatment charges and offers global dental emergency coverage.
5. Axa Dental Insurance
With over 50 years in the private medical insurance sector, AXA offers four dental insurance plans ranging from preventative care and emergency treatments to a complete dental health package. AXA also has an international health plan which covers dental treatment, among other global treatments.
6. Unum Dental Insurance
Unum offers straightforward and affordable dental insurance plans. It covers regular check-ups, treatment for emergencies, oral cancer treatment, and has a worldwide coverage for dental accidents. Furthermore, Unum places a unique emphasis on preventative treatments to evade extensive procedures in the future.
7. Dencover Dental Insurance
Denver is the only dental insurance company that specifically offers five levels of dental coverage aimed at different treatment needs and budgets. These include NHS, Silver, Gold, Platinum, and Diamond plans. It serves as a cost-effective choice for families as it allows the addition of two children under 18 in the plan for free.
8. Aviva Dental Insurance
Aviva offers dental insurance plans with extensive global coverage for dental injuries and emergencies. Their plans also include full coverage for mouth cancer treatments and provide a full refund on NHS dental charges up to Band 3.
9. Boots Dental Insurance
Boots dental insurance covers preventive care, treatments, emergency appointments, and oral cancer. What sets Boots apart is the points system, where customers can earn four advantage card points for every £1 spent on dental insurance.
10. Tesco Bank Dental Insurance
Tesco Bank offers two types of coverage: standard and premium. Both cover NHS treatment costs, routine check-ups, and a cash benefit for hospital stays. Every policy also includes worldwide dental injury and emergency coverage.
Where to Buy Dental Insurance Policy
Dental insurance policies can be purchased from various sources, including:
- Directly from insurance companies
- Through insurance brokers
- Online
Dental Insurance that covers implants
If you are looking for dental insurance that covers implants, take time to review the details of each plan to understand the extent of coverage covered by dental procedures. Some dental insurance plans may cover a portion of the cost of dental implants, while others may offer more comprehensive coverage. It's advisable to inquire directly with the insurance providers to clarify the specifics of their coverage for dental implants and any associated terms or limitations.
Best Dental Insurance for implants
Some of the dental insurance companies known for providing good coverage for implants include Bupa Dental Insurance, WPA Dental Insurance, and Denplan by Simplyhealth Professionals. These companies offer plans that may cover a portion of the cost of dental implants, making them worth considering if you are specifically looking for coverage for implants.
FAQs
What is the most accepted dental insurance?
The most accepted dental insurance companies in the UK are Bupa Dental Insurance, WPA Dental Insurance, and Denplan by Simplyhealth Professionals. These companies offer comprehensive dental plans and have wide networks of dentists nationwide, making them convenient options regardless of your location.
What are the most expensive dental implants?
The cost of dental implants depends on several factors, such as the location, the dentist's experience, the number of implants needed, and any additional procedures required. On average, a single dental implant can cost from $1,000 to $3,000. However, this cost does not include additional expenses such as the abutment and the dental crown, which can increase the total cost.
What percentage does most dental insurance cover?
Most dental insurance plans cover a percentage of the cost of various dental services. Typically, preventive and diagnostic services like cleanings, X-rays, and check-ups are covered at a higher percentage, often around 80% to 100%. Basic procedures such as fillings and extractions are usually covered at around 70% to 80%, while major procedures like crowns and root canals are covered at around 50%. These percentages can vary depending on the specific dental insurance plan.
Conclusion
Investing in dental insurance can save a blow to your wallet and help maintain your oral health without financial stress. All the dental insurance companies on this list have their unique features, from worldwide coverage to flexible plans. When choosing a dental insurance provider, it's crucial to get a plan tailored to your personal needs, budget, and circumstances. Always carefully consider the terms, exemptions, limitations, and conditions of the policy before committing. It’s all about finding the right balance between the cost of premiums and the level of coverage that suits your dental care needs.