If you need regular dental check ups, you’d like the option of choosing private dental treatment or you want to insure against the cost of a dental emergency, dental insurance could help to lower your costs.
What does business dental insurance cover?
If you’re able to see an NHS dentist, the cost of treatment will be less than a private practice, but you will still have to pay.
With most dental insurance policies you pay your dentist for any treatment received and then claim the money back from your insurer.
Bear in mind that some policies need for you to be signed up for around three to six months before they will pay out for treatment, whilst others will provide cover from the first day of your policy, even for pre-existing dental conditions.
What does the best business dental insurance in the UK cover?
There are two main types of dental insurance:
- A policy to cover NHS dental treatment
- A policy to cover a certain level of private treatment
Some policies will only cover you for NHS dental treatment but others will also cover private treatment. Most dental insurance policies start from age 18.
Most dental insurance policies cover:
- Root canals
- Scale and polish
- Dental accidents and emergencies
Dental policies might have set annual limits of up to £2000, but they vary so make sure you check the limits when you sign up.
Cosmetic dental work such as teeth whitening and veneers is usually not included.
Is dental insurance good value for money for your business?
It is advisable to put your money where your mouth is! The dental health of you and your family is important. If you miss one or two check ups – perhaps due to feeling the treatment is too expensive – your teeth can suffer. In the long run, this avoidance actually becomes more costly, as the treatment costs potentially build up where they could have been prevented.
Dental insurance is particularly good value for money if you need a lot of treatment, as the costs can soon mount up