With the ever rising cost of Dental treatment in the UK, Dental Insurance is good way for you to spread the cost of treatment with affordable monthly payments. Available on an individual and company basis, it could prove to be a very worthwhile investment on a personal or professional level.
Dental Insurance as an Individual
With cover available for check-ups, scale and polish, treatment, dental accident, dental emergency, dental hospital cover and mouth cancer, a Dental Insurance Policy offers peace of mind when you need to have treatment. Different insurers have different benefit levels and qualifying periods do apply for some treatments so please ensure that you make sure you are covered prior to making any claims.
Again there are different providers who will offer varying percentages of cash back so when you compare the quotations provided to you, ensure you know exactly what each policy offers you.
Dental Insurance on a Company basis
If you own your own or manage your own business and would like to look at Dental Insurance on a company basis, you can do so even as a single member company scheme. As an excellent low cost benefit for your staff, you can help to make a significant difference in the cost of their everyday healthcare and could help you to retain key staff members by offering that little bit extra.
The benefit of looking at cover on a company basis is that there is no requirement for a pre-joining check-up, the monthly payments are low and are not rated on an age basis so whether your staff are 18 years old or 50, the monthly premium remains the same. You can add your staff on an individual basis or allow their dependent family to be covered. The premium you pay will increase in relation to the status of the member.
i.e. It will cost more to cover someone as a couple, single parent or family than it would to cover them as a single member.
Dental Insurance and oral cancer
When you invest in a Dental Insurance policy, ensure you know what limits (if any) apply in the event of mouth cancer. There may be full cover for oral cancer, a policy lifetime claim limit and there may be a specific time limit or qualifying period before you would be able to claim for treatment relating to oral cancer.
Dental Insurance and Cosmetic Dental Treatment
Dental insurance in the UK is not designed to cover you for cosmetic dental treatment and this is shown as a general exclusion from many providers. Any cosmetic dental treatment would need to be self-funded.