Dental plans made simple

• Pre-existing conditions or treatment identified in a qualifying period are not covered
• The timing of your last dental check-up affects the treatment you (or anyone covered under the policy) can claim for
• If you (or anyone covered under the plan) have not had a dental check-up within the two years prior to taking out the plan, any treatment identified at your first check-up after joining will not be covered
• If you (or anyone covered under the plan) have had a dental check-up within the two years prior to taking out the plan, you will not be covered for any treatment that is already planned, started or is recommended by your dentist either prior to joining or during the three month qualifying period
• After a three month qualifying period, primary mouth cancer cover is provided. Cover will not be provided if you (or anyone under the policy) have been diagnosed with any mouth cancer or are having investigations prior to joining or during the three month qualifying period
  
• Cosmetic or aesthetic procedures, orthodontic treatment, dental implants and veneers are not covered. Only treatments that are clinically necessary will be covered. 

Other

• Inner limits apply to crowns, bridges, inlays and onlays
• If you are in an accident and your teeth are damaged after completion of the three-month qualifying period, you can claim 100% of the cost of permanent or temporary treatment required (up to £5,000 a year), providing dental attention is sought within 30 days (dental accident cover).
  

Dental treatment, accident and emergency benefits and mouth cancer cover are available once your plan has been in place for three months

A condition is pre-existing if:

• You had symptoms of or knew about the condition before you joined the policy, or a dental clinician planned or recommended treatment for the condition before you joined the policy, or you have not had a dental examination in the 24 months before you joined the policy.

• If you have not had a dental examination in the 24 months before you joined the policy, we will not pay for any treatment identified as necessary, planned, or that you receive at the first dental examination by a dental clinician after you join the policy.
   

To make a claim on your dental plan you will need to request an itemised receipt from your dentist which clearly shows:

• the name of the patient
• the details of the practitioner or establishment
• the service or treatment that they have provided
• the date of the service or treatment
• the amount paid, itemised to show the cost of each individual treatment
   

Policy document - part 1

Policy document - part 2

Insurance product information document 

If you need to cancel your policy, just call the Customer Options team, or complete the online form within the contact us section and someone will give you a call back.