Dental Insurance Plans UK

How the Simply Dental Plan works

1. Book your appointment as normal, attend, and pay

2. Submit your claim and receipt online, or send it by post

3. We’ll review your claim and once approved, we’ll pay you back, usually within a few days

What's covered?

Check ups
We will pay up to 100% of the cost of check-ups, including examinations or investigations and x-rays
Scale polish
You also get up to 75% of your money back for the cost of a scale and polish performed by a dental clinician
Treatment
(3 month qualifying period)

We will pay 50% of the cost of dental treatment including crowns, bridges, fillings and dentures as well as for anaesthetic fees, laboratory fees and dental technician fees (up to your annual limit, inner limits apply)
Dental accident cover
(3 month qualifying period)

You can claim 100% of the cost of temporary treatment required if your teeth are damaged in an accident, providing treatment is sought within 30 days

Dental emergency visit
(3 month qualifying period)

If you are in severe pain or need to see a dentist urgently you can claim back 100% of the cost of treatment and emergency call-out fees
Dental hospital cover
(3 month qualifying period)

We will pay you £50 each day or night, up to a maximum of 20 days or nights each claiming year, if you are admitted to an NHS hospital for dental treatment, following a referral
Mouth cancer cover
(3 month qualifying period)

If you are diagnosed with primary mouth cancer by a specialist you will receive a one-off payment of £5000 to help towards your treatment
Worldwide cover
Dental Accident Cover and Dental Emergency Visit apply to UK residents on holiday. Please refer to section 5.24 of policy document part 2 for more details

See price options

Things you should know about qualifying periods and what's 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

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

Pre-existing conditions or treatment identified in a qualifying period are not covered
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 treatment that is 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)

Simply Dental Plan