Does My Private Health Insurance Cover Me for Routine Dental Treatment?

I go to a private dentist for check-ups and to see the hygienist and pay for the treatment out of my own pocket. I have Private Medical Insurance and wanted to know whether I could claim back any of these costs on my plan?

Question asked by Trevor Nixon
30/01/2019

It is important to look through the policy schedule of your existing plan to confirm whether routine dental treatment is covered.

As a standard, routine dental treatment is not covered on a personal Medical Insurance plan. However, a number of insurers do offer an additional option to bolt on a routine dental treatment and optical benefit.

Dental & Optical Benefit

The bolt on dental and optical benefit tends not to affect your core health insurance plan – it often works as a separate health cash plan which provides a set level of cover for routine dental treatment, say £200 per annum.

Most dental and optical bolt on options work as a health cash plan. Should you require a dental check-up or need to see the hygienist you would have your required treatment, pay for the treatment yourself and then claim the cost back from your insurer.

To confirm the process of using the dental and optical benefit it is best to consult your policy schedule or call your insurer.

It is also important to note whether your dental and optical benefit also has a separate excess to that set on you core Health Insurance cover.

Compare Top 10 UK Insurers

Takes approx. 60 seconds
Verified by Norton Symantec icon
 Or Call Us

Frequently Asked Questions

Contact Us

Head Office
7th Floor Corn Exchange
55 Mark Lane
London
EC3R 7NE
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map

If you are unhappy with our service, we have a complaints procedure, details of which are available upon request. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). The FOS website is www.financial-ombudsman.org.uk.

Drewberry is a trading name of Brown & Brown Health and Employee Benefits Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 312878. Registered in England and Wales (company number 3910149). Registered address: 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE.

Cookies

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies including for ad personalization.

If you would like to know more about cookies and how to manage them please view our privacy & cookie policy.

Deny
Approve