To find the best dental and optical insurance:
Decide what you cover you want
Check if you already have cover
Choose a cover type
There are several types of cover to choose from, including:
Maintenance cover, which covers a certain number of routine appointments over a given period e.g. two dental check ups each year. Treatments are not covered.
Mid-range policies, which cover emergency and routine procedures like eye tests and dental checkups alongside some treatments like fillings and laser eye surgery.
Comprehensive policies, which can cover private work and have higher maximum claim limits.
Check if you're already covered
Some insurers offer dental and optical cover as an extra of health insurance.
If you have health insurance, check your policy to work out if dental and optical cover is included. This will help you avoid paying for cover you already have.
Compare several quotes from different providers to find the best one for you. Check the terms and conditions for any exclusions, including:
Cosmetics e.g. teeth whitening and non-prescription sunglasses
Make sure you can afford any excess you must pay if you decide to make a claim, because your claim may be rejected if you can't.