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Health insurance

continued from page 2

Dental insurance
Whilst some cash plans include dental cover, you can also get separate dental insurance plans. With these you pay a monthly fee and there are often different levels of cover you can choose from, depending if you use a NHS or private dentist. You can make a claim up to a certain limit for each time you need to have dental work done.

You'll usually be covered for standard treatments such as check-ups, fillings, gum disease treatment, extraction and bridgework repairs. You won't normally be covered for cosmetic dental work.

Key pros and cons of dental insurance

Pros

  • Lets you spread the costs of looking after your teeth by paying a set amount each month
  • You can often choose different levels of cover, depending if you use an NHS or private dentist

    Cons

    • There may be a maximum number of claims you can make each year and set payout limits for different claims

    Things to consider when taking out dental insurance:

  • Are there different levels of cover you can choose which pay different rates?
  • Is there a maximum number of claims you can make each year?
  • Is there a policy excess you have to pay?
  • What are the policy exclusions?
  • Are there different levels of payout for different claims?
  • How long do you need to have the policy before you can make a claim?

    Making a claim
    For information on making a claim visit our making a claim section.

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