Dental Insurance

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Dental insurance allows you to access treatment from private dentists for routine check-ups, crowns, fillings, bridges and any emergency treatment. Dental insurance varies in price, and is often given as an add-on for existing medical insurance plans. For example, it costs an additional £8pppm* with Equisme’s business health packages, and comes with optical cover too.

Dental insurance may include:

  • Quicker access to appointments
  • Longer appointments with your dentist
  • Select a dentist near you
  • Better materials used in your mouth

Dental insurance empowers individuals to maintain a healthy smile, ensuring their confidence, comfort, and long-term dental health. It promotes regular dental visits, early detection of oral health issues, and timely treatment, which can prevent more serious dental problems in the future. We will examine deals across the market to find the best one to suit your needs. Fill in our quick form to get a free quote sent to you.

Some individuals will receive private dental insurance automatically through their work so it is worth checking if you have this available, otherwise, your best option is to apply for an individual plan through our form. We work with a number of leading dental insurers who will assess your requirements and provide you with a quote today with the right cover for you.


What Does Dental Insurance Cover?

  • Routine check-ups and treatments, the cost of all dental work (including emergencies and accidents) are covered by dental insurance. You will pay when you have the treatment and then are reimbursed by your insurance provider.
  • NHS dental costs up to a certain level that covers crowns, bridges, and fillings.
  • Any emergency which requires urgent medical care, and accidents involving your teeth or mouth and needs treatment immediately.
  • Global coverage is included in some policies.

What is Not Covered By Dental Insurance?

  • Some providers only pay a percentage of the cost of the treatment and you will need to cover the rest.
  • If the treatment is not deemed necessary to your dental hygiene or health (i.e cosmetic dentistry, botox, teeth whitening, Invisalign) then it will not be covered.
  • Depending on what plan you take you might not be eligible to claim for the first 3-12 months, unless it is a routine check-up.
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of adults have no dental insurance in the UK but could make a huge saving if they did.

National Smile Month – 2016

Can I Use Dental Insurance Straight Away?

For most dental insurance policies there is a probation period. This means you have to wait before you can receive your first surgery or operation. Insurers will only start your policy after around 3 months so that you can use the cover for something legitimate and unexpected.

How Much is Dental Insurance?

It can depend on your unique needs, and on each provider. Fill in our quick form to get a quote of the best rate for your personal requirements, or email us at for more information.

Depending on how much money you want to spend each month greatly affects the coverage you will receive. You will always have to pay for a certain amount of treatment and there is a limit on the amount claimable for each plan.

Will My Children Be Covered Under My Dental Insurance Plan?

Dental insurance is normally only valid for the specified person under the plan. Family plans are available but dental work is typically free on the NHS for patients under 18. Children that use dental treatment on the NHS may only receive basic materials for fillings and crowns and have to pay extra for long-lasting and more sustainable materials.

Does Dental Insurance Get More Expensive As I Get Older?

Unlike many other types of insurance, there is normally no difference in the cost of dental cover up to the age of 50. Once you are over 50 it may be difficult to find cheaper plans and generally, the cost will go up. Make sure to check your policy to make sure that you will not be dropped by the insurer when you reach a certain age.

How Do I Pay For Work Covered By My Dental Insurance Plan?

Some people will have their medical treatment covered by company health insurance. The majority of dental insurance plans require you to pay upfront for the work that you need doing, and then you are reimbursed by your employer and insurer after 6 months. If you still have coverage through your work but dental is not covered, you can extend this through an additional policy.

dental insurance

Is My Dental Insurance Renewed Every Year?

Each policy has different terms and conditions so you will have to look closely at how the renewal works. You could find a better deal than the previous year provided that you do not make any claims and continue to keep your teeth healthy. After a certain age the policy can get more expensive – so at this point, you might want to consider locking in an ongoing cost with your provider.

NHS Pricing Bands for the UK

NHS Dental BandsNHS Dental chargesCovers
Urgent dental treatment£22.70
Covers emergency care (pain relief, temporary filling – primary care service).
Band 1£25.80
Covers diagnosis (including radiographs), preventative care, scale and polish, X-rays or planning for further and additional dental treatment.
Band 2£70.70
Covers Band 1 dental costs + teeth extractions, fillings, root canal treatment.
Band 3£306.80
Covers Bands 1 and 2 treatments, and complex dental procedures (crowns, dentures and bridges).


Why Pay For Dental Work If It Is Covered By The NHS?

In dental charges for the NHS are in three bands, 1-3 depending on the severity of treatment required, as shown in the table above. They range from £25.80* for emergency treatments and fillings to £306.80* for crowns, dentures, and bridges.

There is no charge* for the following:

  • for denture repairs
  • to have stitches removed
  • if your dentist has to stop blood loss
  • if your dentist only has to write out a prescription


Are All policies Created Equal?

No – there is a wide range of different options available, and you will have to read the terms and condition very closely to make sure you know exactly what is covered.

A very broad way of looking at dental insurance is to think of it as covering routine and emergency treatment, sometimes even worldwide.

Should I Spread My Dental Insurance Repayments?

This is a common method but should be carefully considered beforehand. This type of plan is called a ‘capitation plan’ and works slightly different to an insurance plan.

Your dentist will want to sit down with you and discuss who much work you are estimated to have in a year. At this point they will come up with a figure.

Who is Eligible For Free Dental Work?

There are some exemptions and people who get dental treatment for free* including:

  • Pregnant women
  • Children under 18
  • Women who have given birth less than 12 months ago
  • Young adults under the age of 19 and in full-time education
  • Those receiving benefits (means-tested).

Everyone else will have to pay for dental treatment as explained above.


What Is An Excess, in Dental Insurance?

When you take out a plan you can specify how much you want your excess, or deductible to be when you claim for treatment. The higher you make your excess, the less you will have to pay each month. If you don’t think that you will have much work then this might be the best option because it could work out cheaper over the long term. It varies from plan-to-plan and you will have to take into consideration your circumstances when deciding.

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