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

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

You can find a dental insurance policy by using our broker, who 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.