Private dental insurance can pay out if you use a private dentist instead of an NHS one. This can cut waiting times, help you find a dentist more easily and offer a wider range of treatment and surgery.

Private treatment in the UK is usually more expensive than registering for a dentist through the NHS, but you could cover most of your costs with health insurance that includes private dental treatment.

You pay a premium for your insurance policy, usually every month. In return, your insurer pays your medical bills as long as the treatment is covered by the policy.

Private dental plans usually come with an excess, which is the amount you have to pay towards each claim yourself.

How to find dental health insurance

You can find a health insurance policy using this comparison, which includes details of the dental cover each insurer offers.

The best policy for you should be able to pay out for:

  • Any dental treatment you need

  • Any other medical expenses you need it to cover

Compare dental insurance to find policies that offer the cover you need. You can then choose the cheapest one.

A health insurance broker can give you quotes from several insurers and help you choose a policy.

What types can you get?

Dental protection only

You can get a policy that covers dental treatment and no other medical expenses. There are two main types:

  • Maintenance plans cover the costs of preventative treatment, e.g. two check-ups with your dentist and two hygienist appointments each year. Some let you add cover for other dental costs as well.

  • Capitation plans (full dental coverage) are usually more expensive but cover more. As well as routine maintenance, they can include treatment like fillings, root canals, crowns, bridges and extractions.

Comprehensive private medical insurance

If you want to cover other medical treatment as well, you can include dental cover with many comprehensive policies.

Some offer dental cover as standard, but others let you add it to the policy for an extra cost. Check if this works out cheaper than getting separate policies for your dental costs and your other medical expenses.

Cash back plans

These policies pay out a lump sum if you have dental treatment. You usually pay the dental bill yourself, then get a refund for some of the amount from your insurer.

Family policies

You can get individual health insurance for just one person, but you could also include your partner or children with family cover.

Dental health insurance FAQs

Q

What is the best dental insurance?

A

A policy that includes all the dental and health cover you need with the lowest premium price and excess. Here is how to choose the right health insurance.

Q

Will health insurance cover my existing conditions?

A

Some policies can include them, but many do not pay out for them. Here is how cover for pre-existing conditions works.

Q

Do I need a medical check before I get health insurance?

A

Some policies make you fill out a declaration about your health, and some may need to run medical tests. But moratorium policies do not do this.

Q

Will my health affect the cost of my insurance?

A

Yes, some policies could charge you more if you have existing conditions. Others only charge you more if you need to cover treatment for them.

Q

Does dental insurance include cosmetic cover?

A

Many insurers exclude it, but some cover treatments like implants, teeth whitening, repairing chipped teeth, braces and orthodontic work.

Q

Can I still use the NHS if I get health insurance?

A

Yes, you can get dental treatment on the NHS or use your policy to pay for private dental treatment.

Q

How soon can I make a claim?

A

Some policies come with a waiting time. You cannot make a claim until after this period, e.g. three months after you take out cover.

Q

Does health insurance cover me abroad?

A

No, most of these policies only cover dental treatment in the UK, but you could get medical cover from your travel insurance if you go abroad.