Bupa Dental Insurance: Is It Right for You?
Having dental cover is a good way to protect against unexpected costs in the future. But with so many providers offering insurance in the UK, it can be hard to choose between them. Here we look at the different plans offered by Bupa dental insurance so you can make a better decision.
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Bupa is a well-known name in healthcare both in the UK and overseas. The company recently celebrated its 70th anniversary, having been founded in Britain in April 1947.
Bupa has its own care homes, health centres and dental centres across the UK. It has been offering direct dental care since 1999 and now has a network of its own dental centres as well as 200+ Bupa-approved dental clinics.
People often associate Bupa with private health care, but the provider also offers plans which cover NHS dental treatment. Dental plan costs may therefore be more affordable than you imagined.
With Bupa’s dental policies there is no obligation to visit a Bupa-approved dentist. You may continue to see your regular dentist and still claim under your policy. However, one benefit of visiting a Bupa-owned dental centre is that there is less paperwork involved with any claims you make.
And as the video below from the British Dental Association shows, there are flaws with the NHS system which mean many patients prefer to seek private treatment.
Bupa dental insurance plans
Bupa offers three different insurance plans with different levels of cover: Dental Health Plan, Dental Cover 10 and Dental Cover 20.
Although Bupa provides international health insurance separately, none of its dental plans include cover for overseas treatment.
In addition, all three plans exclude anything related to dental implants, purely cosmetic work (including orthodontics), and treatment arising from pre-existing conditions.
Dental Health Plan
The most basic plan covers the cost of regular checkups and cleanings with an allowance for emergency treatment. There is full cover for oral cancer treatment. For any other types of restorative treatment such as fillings, root canals, extractions and crowns, you’ll get a 20% discount on Bupa’s standard prices.
If your teeth are in good condition and you rarely need fillings or other dental work, this could be a good way to protect yourself against unexpected costs arising from emergency treatment or oral cancer. However, any work needed as the result of an injury is charged at the same 80% rate as standard treatment.
Dental Cover 10
Bupa’s Dental Cover 10 plan covers 100% of the cost of your NHS dental treatment, up to annual limits. This includes:
- Routine checkups
- Scaling and polishing
- Restorative work like fillings, root canals and crowns
- Bridges and dentures
- Certain emergency dental care
There is also full reimbursement of costs relating to oral cancer treatment, if carried out at an approved facility by a Bupa partner consultant. A six month waiting period applies to this element of the cover.
This policy only applies to adults aged 18 and over since any treatment for younger patients is free on the NHS.
Dental Cover 20
This more comprehensive plan covers all checkups plus treatment needed in relation to emergencies, injuries and oral cancer, up to the limits shown in the table below. For any other treatment, up to 75% of the cost is covered with an annual limit of £700.
The following table summarises the dental insurance plans available from Bupa:
|Dental Health Plan||Dental Cover 10||Dental Cover 20|
|Routine care (checkups, scale & polish, x-rays, etc.)||2 checkups and cleanings, unlimited x-rays||100% of NHS costs reimbursed||Up to £150 per year|
|Dental treatment (fillings, extractions, root canals, dentures, bridges, crowns, etc.)||20% discount on regular prices||100% of NHS costs reimbursed||Up to 75% of treatment costs, maximum £700 per year|
|Emergency dental treatment||Up to £400 for each emergency, maximum £1,000 per year||100% of NHS costs reimbursed||Up to £600 per year|
|Dental injury treatment||20% discount on regular prices||100% of NHS costs reimbursed||Up to £5,000 per year|
|Oral cancer treatment||100% reimbursed, 6 month waiting period||100% reimbursed, 6 month waiting period||100% reimbursed, 6 month waiting period|
|All information correct as of September 2017.|
Make sure you read all the small print carefully and understand what you are and are not covered for. Bupa’s policies don’t offer any provision for worldwide cover whereas other comparable policies do, so this may be a consideration if you travel frequently.
Waiting times can catch some patients out, so also be clear on how long you’ll have to wait before becoming eligible for certain types of treatment.
Alternatively, you can read more about choosing the right dental insurance and saving money on your cover here.