Does my private medical insurance cover me for routine dental treatment?

I go to a private dentist for check-ups and 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
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Answered by Andrew Jenkinson

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 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 £300 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.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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