NHS Top-Up: Dental

A visit to the dentist, whether NHS or private, can be painful enough. With dental bills becoming ever more expensive, it’s easy to see why it pays to have protection for both routine and preventative dental care.

Two levels of cover puts you in control of choosing exactly the right plan for your needs.

Your health, your choice
  • Choose from 2 levels of cover.
  • Decide between NHS or private treatment, or a mixture of both.
  • Spread the costs of your dental plan and pay monthly.
  • Choose to see any UK registered dentist.
What’s covered
  • Keep your teeth in great condition with cover for routine dental treatments.
  • Reimbursement for incidents of acute pain, swelling or a dental haemorrhage requiring an emergency dental appointment.
  • Cashback for restorative dental treatments where the injury to the teeth has been caused by an external blow to the teeth, face or jaw.
  • Cover for treatment under the care of a recognised specialist for restorative treatment required as a direct result of oral cancer.
  • A lump sum after receiving treatment in an NHS hospital for a dental injury or restorative treatment as a direct result of oral cancer.
What isn’t covered
  • Any claims submitted more than 6 months after the treatment took place.
  • Any treatment undertaken or completed prior to joining the dental plan, or within an applicable qualifying period.
  • Any conditions/injuries you had when you took out the dental plan (pre-existing conditions). This does not apply to General Dental Treatment.
  • Treatment for any oral cancers diagnosed or for which symptoms or signs develop within the first 90 days of your dental plan starting (90 day deferment period).
  • Long term (chronic) conditions (which are long term illnesses that lead to long term monitoring or management).

For a full list of what isn’t covered, please refer to the guide in the ‘download documents’ section below.

Download documents