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Still not sure which Tesco Dental Insurance policy is right for you?

Both levels offer comprehensive cover at home and abroad for dental injuries and dental emergencies, as well as treatment of mouth cancer.

Details of the differences between the two cover levels are shown below:

Premium Cover

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

You attend a private dentist
You receive private dental treatment
There is a chance your NHS dentist may only offer private dentistry one day - this plan moves with you

This table details what the cost of Premium Cover is. What's more the prices are fixed regardless of your age or the condition of your teeth.

	Individual	Joint	Family	Single Parent Family
Monthly premium	£16.95	£31.95	£37.95	£22.95

Maintenance, (e.g. check-ups, x-rays, hygienist). 100% reimbursement to maximum annual value of £200, NHS or private
General dental treatment (e.g. fillings, crowns, bridges) - 80% reimbursement to annual value of £2,000, when treated privately
Dental emergency (UK and worldwide) up to £400 per year (up to £200 per incident), NHS or private
Dental injury (UK and worldwide) up to £10,000 per year (up to £2,500 per incident), NHS or private
NHS cash benefit per night you stay in hospital as an NHS patient for your teeth - £60 per night
Treatment of mouth cancer up to £12,000 for one course of treatment, including smokers

For joint or family policies, the annual limits are per person.

Case study

Mr Knowles goes to a private dentist for a routine check up and discovers he needs a filling, scale and polish. With Premium Cover, Mr Knowles will be able to claim back 100% of the cost of the check up, scale and polish (up to £200), and 80% of the cost of the filling.

Core Cover

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

However, if your NHS 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.

This table details how much Core Cover costs. The prices are fixed regardless of your age or the condition of your teeth.

	Individual	Joint	Family
Monthly premium	£8.95	£16.95	n/a¹

All NHS dental appointments and courses of treatment in the UK - 100% reimbursement
Dental emergency (UK and worldwide) up to £400 per year (up to £200 per incident, NHS or private)
Dental injury (UK and worldwide) up to £10,000 per year (up to £2,500 per incident, NHS or private)
NHS Cash Benefit per night you stay in hospital as an NHS patient for your teeth - £60 per night
Treatment of mouth cancer up to £12,000, including smokers

For joint policies the annual limits are per person.

Case study

Mrs Brodie receives dental treatment on the NHS. At a routine check up she discovers she needs a filling as well as a crown. With Core Cover, Mrs Brodie will be covered for the cost of 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).

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 for routine dental work!

Take a look at the table below to see just how much you can save over the course of a year whether receiving NHS or private treatment.

Treatment	NHS	Private
Six month check-up 1	£15.90	£40.00
Six month check-up 2	£15.90	£40.00
Crown	£194.00	£341.00
Annual total	£225.00	£421.00
Tesco Dental Insurance Annual Premium	£107.00 Core Cover	£203.40 Premium Cover
Savings	£118.40	£149.40*

*Premium Cover provides 80% reimbursement for private restorative treatment such as a crown.

Charges based on treatment in England and Wales as at April 2007. Source: www.whatprice.co.uk (new window)

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.