The different dental insurance plans UK

While the NHS is a great British institution, the costs of dental treatments never cease to rise and many can’t afford to get their teeth looked after as much as they would like. The best way to control dental costs and to keep your mind at peace is to subscribe to one of the many dental insurance plans in the UK. Depending on your budget or your needs, there are more or less complete dental insurance plans in the UK to choose from. This can allow you to choose whether you want to go privately or via the NHS while not having to worry too much about the cost of the treatments.

There are three major types of dental insurance plans in the UK: the capitation schemes, the maintenance plans, and the comprehensive dental insurance plans. The first one is quite restricting because not only you have to see a dentist who have signed to the capitation scheme you choose, you will also pay for lab fees. Furthermore, you will not be covered for specialist treatments such as gum or root canal work. Of course, the more work you may need by the time you join the scheme, the higher your monthly premium will be.

The maintenance plans are the perfect dental insurance plans in the UK for those who have a stable dental status and are likely to only need regular check-ups and hygiene treatments. Usually, it covers you for a couple of check-ups and hygiene treatments per year, as well as 10% from the usual dentist fees. In addition to the monthly fee, you might have to pay joining fees.

The best dental insurance plans in the UK are without doubt the comprehensive dental insurance plans. They are covering you for the same number of check-ups and hygiene treatments than the maintenance plans, but they are also giving you up to 50% discount on the cost of other dental treatments, within a £1000 limit on average. Dental emergencies are covered too, which is a great relief for you and your wallet. You pay up front for your dental expenses and claim the percentage back later.

On July 16th, 2012, posted in: Blog by
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