Premium Cover

Premium Cover provides

• 100% cash back for your routine check ups, hygiene treatments and x-rays, up to £125 per policy year
• 50% cash back for remedial and restorative treatment such as fillings – benefit limits apply for certain treatments (max £1,000 per policy year. £500 limit applies for bridges and crowns)

Here are some situations when this plan may be suitable for you:

• You attend a private dentist or receive private dental treatment
• There is a chance your NHS dentist may only offer private dentistry in the future - this plan moves with you

Case study

You go to a private dentist for a routine check-up and discover that you need a filling and a scale and polish. With Premium Cover, you would be able to claim back 100% of the cost of the check-up, scale and polish (up to £125), and 50% of the cost of the filling, up to a maximum of £1000.

Core Cover

Core Cover provides

• 100% cash back for your routine check ups, hygiene treatments and x-rays, when treated as an NHS patient
• 100% cash back for remedial and restorative treatment such as fillings as an NHS patient

If you receive dental treatment on the NHS this may be suitable for you.

However, if your dentist provides treatment not ordinarily available on the NHS, e.g. white fillings, then Premium Cover may be more appropriate.

Similarly, if your existing dentist was to change from NHS to private, Premium Cover could be more suitable.

Case study

You receive dental treatment on the NHS. At a routine check-up you discover that you need a filling as well as a crown. With Core Cover, you would be covered for the check-up as well as the treatment and can claim 100% of the cost back.

For some benefits, you will not be eligible for cover until you have had your policy for one month (Core Cover) or three months (Premium Cover).

*Under 18s are covered for free on the NHS.

Family price based on 2 adults and 2 children under the age of 18. The price displayed includes a no-claims discount.

No-claims Discount

This policy includes a 25% no-claims discount when you join on claims made for remedial and restorative treatment. This means that if you don’t make a claim for this treatment your no claims discount will increase, although if you do make a claim your no claims discount will reduce on renewal.

Both Policies

Both policies cover:

• Mouth cancer cover up to £12,000 per year
• Worldwide dental accidents cover up to £10,000 per year
• Worldwide emergency dental cover up to £800 (choice of NHS or private dentist) per year
• Hospital cash benefit of £60 per night for up to 30 per year nights as an NHS patient, in relation to a dental accident

As with all insurance policies, there are some exclusions to the cover. Visit the General exclusions page. For some benefits, you will not be eligible for cover until you have had your policy for one month (Core Cover) or three months (Premium Cover).

What dental treatment could cost

When you think about it you could get back the cost of your premiums with just a few visits to your dentist.

Take a look at the table below to see how much dental treatment could cost.

Charges based on treatment in England and Wales as at April 2009. Source www.whatprice.co.uk.

Note that NHS charges differ across the UK

NHS dental charges in England and Wales

NHS dental treatment in England and Wales is charged in three bands regardless of whether you have one visit to your dentist, or a whole course of treatment.

NHS dental charges in Scotland and Northern Ireland

In Scotland and Northern Ireland your dentist will charge per item and you are expected to pay 80% of treatment costs up to a maximum limit.

You can get the latest NHS dentist charges on the NHS website, or call your NHS dentist