Have you ever considered getting dental insurance? Many people don’t bother because they think they are covered by the NHS, but there are actually many benefits to having a private dental plan and it may not cost as much as you imagine.
In this article we take a comprehensive look at private dental insurance in the UK. Keep reading to find out about the different levels of cover available and the most popular providers for this type of insurance. By the end you should be in a much better position to decide which option is right for you.
Table of contents
- 1 Do Brits really need private dental insurance?
- 2 Differences between NHS and private dental plans in the UK
- 2.1 Routine NHS treatments
- 2.2 Fillings, extractions, crowns and bridges
- 2.3 Emergencies and accidents
- 2.4 Cosmetic dentistry
- 2.5 Dental implants
- 2.6 Oral cancer
- 2.7 Hospital stays
- 2.8 Worldwide cover
- 2.9 Pre-existing conditions
- 2.10 Full or partial payment and excesses
- 2.11 Annual limits
- 2.12 Cover for family members / children
- 2.13 Waiting periods
- 2.14 When you have to pay
- 2.15 Policy cancellation
- 3 Capitation plans
- 4 Providers of dental plans in the UK
- 5 Best dental insurance in the UK – comparison tables
- 6 Tips for getting the best price
Do Brits really need private dental insurance?
Unlike some other developed countries, we have a healthcare system which offers subsidised dental care to all residents. But whereas seeing an NHS doctor is free, most adults still have to pay to visit an NHS dentist.
There are four main reasons why you might opt for private dental cover:
- You don’t live near an NHS dentist or can’t find one that’s accepting new patients
- You have had a bad experience with an NHS dentist and would prefer the extra level of care from a private dentist
- Your preferred treatment isn’t available on the NHS (for example white fillings or Invisible aligner braces)
- Your teeth are in bad condition and frequently require treatment
If your teeth are in great condition and you rarely need treatment, there may be no financial argument for personal insurance. However, it will still offer peace of mind if your teeth deteriorate or you need emergency treatment, for example for an oral abscess.
NHS dental charges
Let’s first be clear about what treatment costs if you use the NHS, as this will then help you work out how much it’s worth paying for a private dental plan in the UK.
In England and Wales, charges are banded according to the treatment you receive. The following charges apply for 2019/20:
|Charge Band||Charge||Treatments Included|
|Band 1||£22.70||Examination, diagnosis and advice. X-rays and scale & polish included if needed. Any emergency treatment.|
|Band 2||£62.10||Fillings, root canals and tooth extractions.|
|Band 3||£269.30||Crowns, dentures, bridges and other complex treatment. Braces may be included if needed for medical reasons but cosmetic treatment is not covered.|
|Band 1||£14.00||Examination, diagnosis and advice. X-rays and basic scale & polish included if needed. Any emergency treatment.|
|Band 2||£45.00||Advanced scale & polish. Fillings, root canals, tooth extractions, and other oral surgery.|
|Band 3||£195.00||Crowns, dentures, bridges and other complex treatment. Orthodontic treatment and custom-made appliances like sports guards.|
Free dental care is provided for under-18s; those aged 18 and in full-time education; and pregnant and nursing mothers.
Note that NHS treatment only provides amalgam fillings, which are grey or silver in appearance. If you would like a white composite filling you will need to pay for private treatment – but dental health insurance can help with the cost of this.
Orthodontic braces are available on the NHS to teenagers and some adults, but the only choice will be traditional metal braces. Less noticeable styles, such as lingual braces, are only available privately.
Trouble finding an NHS dentist
It’s no secret that finding an NHS dentist in some parts of the country is hard work, as this Channel 4 piece shows.
People may end up travelling miles out of their way to find a dentist who will accept them. In other cases, it’s just impossible and the only option is to visit a private dentist and pay for treatment yourself (either directly or via an insurance plan).
Dentists very often carry out some work for the NHS as well as treating patients privately. If your nearest dentist isn’t accepting any new patients on the NHS they may still be able to offer private treatment.
While dentists are regulated on the type of work they can perform, there are no restrictions on what they may charge for private treatment. If you have the time, it’s always worth shopping around to see if you can save a few pounds on the work you need to have done. You could also ask around your friends to find out what they paid for recent dental treatment.
Differences between NHS and private dental plans in the UK
Each insurance provider will offer different levels of dental cover, and the things included will vary from one provider to another.
Not all insurance plans cover every aspect of dental care. Below are some things you’ll need to consider when selecting a dental care plan. Think carefully about which ones you need as this will help you narrow down your options and get a better idea of prices.
Routine NHS treatments
Regular checkups and a scale and polish with an NHS dentist should be covered by all plans to some extent.
Fillings, extractions, crowns and bridges
Dental procedures and surgery may only be included in some policies, or the insurer may only pay out a certain percentage of the total cost.
Emergencies and accidents
Out-of-hours dental care comes at a premium so it can be good to have insurance that will cover you if you need to see a dentist in an emergency.
An ‘accident’ is usually classed as an incident that causes you to need urgent attention, for example a fall. An ’emergency’ is a situation in which you need urgent attention, usually for pain relief.
The Boots plan, for instance, defines emergency treatment as “Dental treatment required for the immediate relief of severe pain, trauma, swelling or haemorrhage”.
It’s unlikely that your standard policy will cover cosmetic work such as veneers, braces, teeth whitening or implants – unless it’s part of a course of NHS treatment. Some insurers will cover private cosmetic work in their most expensive policies.
If you’re looking for dental insurance for implants, you may be able to purchase separate or premium cover from your insurer. This is perhaps the most expensive kind of dental treatment at an average cost of £2,300 per tooth, so implants are usually not included with standard policies. Dental implant insurance will still only cover you for teeth lost due to accidents and perhaps natural loss; not purely cosmetic work.
Many policies include cover for oral cancer and this might be paid as a fixed lump sum rather than you claiming for your actual costs.
If you need to spend time in hospital as a result of your treatment, how much will your insurer pay out per day?
Do you want to be covered for emergency dental treatment if something happens while you’re overseas? This might already be covered by your travel insurance policy, but if you travel a lot it’s something to look out for.
Check whether your insurer will cover pre-existing conditions (and how they define these) or work related to incidents that happened before the policy began. For example, if you need extensive treatment following a car accident, you probably won’t be able to take out an insurance policy after the event and use it to claim for that treatment.
Your insurer may require you to have had a checkup in the last 12 months; otherwise they may class any treatment identified at your first checkup as ‘pre-existing’ and refuse to pay for it.
Full or partial payment and excesses
Will your insurer pay the full cost of your work or do they reimburse you for a fixed percentage? Are there any fixed excesses to pay? Check the small print to avoid any nasty surprises. Even if you only have to pay for 50% or 25% of your treatment, this can still add up to hundreds of pounds a year.
Insurers usually put annual limits on the amount you can claim for each category of cover, for example £150 for checkups or £1,000 for emergency treatment.
Cover for family members / children
Although under-18s receive free dental care on the NHS, you may want your children to receive private treatment instead.
Some policies may automatically cover children up to a certain age; with others you’ll need to purchase special family cover or pay extra to insure your children.
In many cases your full dental coverage won’t kick in until you’ve held your policy for 1-4 months. You may get immediate cover for regular checkups and perhaps some minor treatments, but claims for more complex procedures won’t be allowed until the specified period has passed. You can expect to pay higher premiums for dental insurance with no waiting period.
When you have to pay
Most insurance providers will require you to pay the bill up-front and will then reimburse you for all or a percentage of the cost. Some may settle the bill directly with your dentist, so this is worth investigating.
What if you change your mind about your policy and want a refund? You never know when your circumstances might change, so it’s worth knowing how far into your policy you’re allowed to cancel and request a refund, if at all.
Capitation plans are another way to spread the cost of dental care. The difference with this type of insurance is that your monthly payments go directly to your dentist (although they may be handled by a third party like Denplan).
Different levels of capitation plans cover can include some or all of the following:
- Basic maintenance (checkups and cleaning)
- Simple treatments (fillings and extractions)
- Complex treatments (root canals, dentures, crowns, etc.)
- Emergency dental cover
Your dentist will explain your options and set the monthly fee, usually after assessing the current condition of your teeth. This fee will vary depending on your age, the condition of your teeth, and the type of cover you choose.
Payments will usually be fixed for a year at a time but can go up or down each year according to the parameters described above. There may also be a registration fee to pay when you first join.
Pros and cons of capitation plans
Capitation plans are a good way to spread the cost of your dental health care, especially if you know you’re likely to need regular trips to the dentist. You know in advance how much you’ll have to pay each month and there is no extra charge when you have a treatment that is covered by your plan.
The downside of capitation plans compared to dental insurance plans is they are linked to one particular dental practice; fine if your filling falls out at home but not so handy if you happen to be away at the time. However, this needn’t be a problem if you have emergency cover – just check your plan terms carefully.
Providers of dental plans in the UK
Now that you understand why it can be beneficial to get insured, let’s take a look at some of the largest dental insurers in the UK.
Bupa is one of the biggest names in private health cover in the UK and offers three levels of private dental health insurance. They don’t advertise their prices online so you’ll need to contact them directly to request a quotation.
Bupa have their own dental clinics across the UK and they also work with a network of approved private dentists. Using one of Bupa’s own clinics means your claim can be settled without the usual paperwork and claim forms.
Another name you’ve probably heard before (since it’s one of the biggest insurance companies in the world), is AXA. The company itself is around 30 years old but its roots date back to the 18th Century.
AXA offers two levels of cover, for NHS and private treatment. They won’t ask about your medical history or require you to have a checkup before joining, and they offer a no claims discount of up to 35% (claims for checkups, cleanings, x-rays and oral cancer treatment don’t affect this discount). You’ll need to contact the insurer directly to find out about prices.
Since AXA has such a wide network of partners you’ll also benefit from special offers on things like gym memberships, leisure activities, and other areas of healthcare.
The UK’s leading health cash plan provider has almost 3.5 million registered customers and has been operating for more than 140 years. All of the four dental care plans available from Simplyhealth cover private treatment, with varying benefit levels.
This high street name has been in business for over 160 years and now offers three levels of insurance for both NHS and private care.
Its private dental care plans reimburse a fixed amount for each type of treatment, for example £20 for a routine checkup and £41 for a surgical extraction (usually required for wisdom teeth). This may or may not come close to actual costs, depending on what your dentist charges.
Their basic plan provides immediate cover for emergency treatment.
Dencover is a dental health insurance specialist; they don’t provide insurance for anything else. They have five different plans from basic NHS cover to a diamond plan with much higher benefits.
Checkups and scalings can be claimed from day one with their policies, and they offer some of the shortest waiting periods around for other treatments – 15 days for accident & emergency and two months for fillings, root canals, dentures and crowns.
Western Provident Association (WPA) is a UK-based health insurer with over 110 years behind them. They place a strong emphasis on charitable work and supporting projects in the UK that promote good health.
WPA’s NHS-only cover is relatively expensive but they will reimburse 100% of your costs with no upper limit – much more generous when compared to other dental health plans in the UK which only pay for one treatment per year in each category. Their second tier of insurance also covers private work, but with comparatively low annual limits.
Denplan, also underwritten by AXA, is a capitation plan provider, which means you’ll get a quote directly from your dentist and will be tied to that practice, except for in an emergency.
Some practices allow you to sign up online, but most require a visit in person so they can assess your current oral health and provide a personal quote. Around half of all dental practices in the UK are Denplan members.
There are no standard costs as your dentist is free to set their own price based on how much treatment they think you will need, plus there are different levels of cover available. As a rough guide, Denplan costs between £13 and £22 per month for the average patient, including cover for fillings and extractions.
If you want dental insurance for implants, with Denplan you can pay an extra monthly premium to receive £20,000 of insurance cover for dental implants.
Best dental insurance in the UK – comparison tables
Now it’s time to compare dental insurance policies in the UK from the providers mentioned.
Let’s first look at NHS dental plans available from some leading UK dental insurers. These plans apply to NHS-approved treatment at an NHS dentist, but not private treatment:
|Insurer||Boots Core Plan||Dencover NHS||WPA Level One|
|Annual fee||From £129.84||From £72.00||From £132.60|
|Below are the maximum amounts that may be claimed per year, and the percentage of the total cost that will be reimbursed.|
|Checkups, x-rays, scale & polish / hygienist||100% reimbursed, £500 limit across all routine treatments||£21.60 / 100%||100% of all costs|
|Fillings, extractions, root canals, dentures, crowns, bridges||100% reimbursed, £500 limit across all routine treatments||£118.20 / 100%||100% of all costs|
|Accident (essential treatment following an accident or injury)||100% reimbursed, £500 limit across all emergency treatments, NHS only||£2,500 / 100% (worldwide)||£10,000 (NHS or private, reimbursement limits for each treatment, worldwide up to 35 days per year)|
|Emergency (when urgent pain relief is needed)||100% reimbursed, £500 limit across all emergency treatments, NHS only||£425 / 100% (worldwide)||£500 / 75% (NHS or private, maximum £250 per visit and two visits per year, worldwide up to 35 days per year)|
|Oral cancer||Not covered||£2,500 / 100%||£10,000 (NHS or private, reimbursement limits for each treatment)|
|Hospital stay||£100 per night, up to £5,000||Not covered||£200 per night, up to £2,000|
|Waiting period||Immediate for emergency, 3 months for everything else||Immediate for checkups and cleaning, 15 days - 2 months for everything else||14 days for accident & emergency, 1-3 months for everything else|
If visiting an NHS dentist isn’t an option for you, or you would prefer private treatment, you’ll need to look at full dental coverage plans. As we’ve said before, these do vary in price according to a number of factors.
We can’t include all dental insurance plans from all providers here, but the following table compares mid-range policies from several of the main providers to give you an idea of private dental insurance costs in the UK. You’ll need to contact the provider directly to see their full range of dental payment plans and check what conditions apply.
|Insurer||Simplyhealth Level 2||Boots Private Level 1||Dencover Gold||WPA|
|Annual fee||£185.16||From £189.84||From £168.00||From £188.76|
|Below are the maximum amounts that may be claimed per year, and the percentage of the total cost that will be reimbursed.|
|Checkups and x-rays||£70 / 100%||Fixed amount for each treatment, £750 limit across all treatments||£55 / 100%||75% / £250 limit across all routine treatments|
|Scale & polish / hygienist||£65 / 75%||Fixed amount for each treatment, £750 limit across all treatments||£65 / 80%||75% / £250 limit across all routine treatments|
|Fillings, extractions, root canals, dentures, crowns, bridges||£400 / 50%||Fixed amount for each treatment, £750 limit across all treatments||£410 / 55% (maximum £210 for crowns, bridges and root canals)||75% / £250 limit across all routine treatments|
|Accident (essential treatment following an accident or injury)||£5,000 / 100% (worldwide for up to 28 days per year)||£1,000 / 100% (worldwide after 6 months of cover)||£7,500 / 100% (worldwide)||£20,000 (NHS or private, reimbursement limits for each treatment, worldwide up to 35 days per year)|
|Emergency (when urgent pain relief is needed)||£500 / 100% (worldwide for up to 28 days per year)||Fixed amount for each treatment, £750 limit across all treatments||£850 / 100% (worldwide)||£1,000 / 75% (NHS or private, maximum £250 per visit and four visits per year, worldwide up to 35 days per year)|
|Oral cancer||£5,000 one-off single payment||£5,000 one-off single payment||£7,500 for the lifetime of the policy||£10,000 (NHS or private, reimbursement limits for each treatment)|
|Hospital stay||£50 per night, up to 20 nights||£100 per night, up to £5,000||£50 per night, up to 20 nights||£200 per night, up to £2,000|
|Waiting period||Immediate for checkups and cleaning, 3 months for everything else||Immediate for emergency, 6 months for oral cancer, 3 months for everything else||Immediate for checkups and cleaning, 15 days - 3 months for everything else||14 days for accident & emergency, 1-3 months for everything else|
All details are correct as of October 2018 but insurers may update their policies at any time.
Tips for getting the best price
Whether you’re choosing between insurance providers or dental clinics, costs vary wildly. It’s therefore well worth doing a dental insurance comparison of your own to assess different options. Try to get quotes from at least three providers so you can be sure you’re getting a good deal. Make sure you are comparing like for like, since there are so many variations in levels of cover.
Once you have settled on a dental care plan you’re happy with, double-check the small print to be sure it covers everything you need.
Also consider how much of an excess you are prepared to pay, if your insurer offers this as an option. As with car insurance, a higher excess will mean lower premiums, but you’ll have to fork out more whenever you make a claim. If you opt for a high excess – which may make sense if you want it mainly for emergency cover – set that amount aside in a savings account, just in case.
Paying for your insurance
It’s normal to pay an annual insurance premium for your private dental plan and, just like any other insurance, it can increase or decrease from year to year. Some providers offer a no-claims discount with their policies.
Many providers offer monthly payment options for customers who can’t afford a lump sum payment. If you decide to spread the cost over the year, try to find a 0% interest deal so you don’t end up paying any more for your cover.
If you’re faced with a price hike when your insurance renews, don’t just accept it straight away. Call your provider to see if they can give a more competitive rate, and again compare their offer with other policies on the market. Don’t be afraid to switch if you find a better deal elsewhere.
Things to check first
Before you commit to anything, check that you’re not covered elsewhere. Some employers provide medical insurance as a benefit to employees, and that may include some level of dental health care. Even credit cards can throw in health cover as an incentive to new customers.
If you do find that you already have dental cover under another policy, be sure to check it carefully to ensure the levels of cover are sufficient for your situation; if not, you may still want to take out your own private dental insurance.
And we’ve said it already but it’s worth repeating: check and double-check the small print of your policy so you know exactly what you are and are not covered for.
Affordable dental care without insurance
If you need private dental care and insurance isn’t an option, ask your dentist if they offer dental payment plans. This finance is a like a loan for your dental fees, letting you spread the cost over a number of months or even years.
You might be able to arrange a plan directly with your dentist if you have a good relationship with them. Alternatively, they may refer you to a third-party finance provider. Since you’re essentially borrowing money, you may well have to pay interest on your payments. Check the details of the agreement before you sign up, so you understand exactly what is involved.
Payment plans won’t actually reduce the amount you have to pay, but they do make it easier to manage the payments. This can be especially helpful for expensive treatments like implants and orthodontic work. Read more in our full article on dental payment plans.