UK insurance forums have a huge number of dental insurers on their directories. Looking at them can be quite confusing and overwhelming because it is difficult to find out which insurer is offering the best rates and for the coverage you need. The following are four top dental insurance companies in the UK and information about these firms, their dental plans and their price ranges.
AXA PPP Healthcare
AXA PPP Healthcare is one of the oldest health care insurance systems. It was set up in 1940 for people with average earnings and in 1993 it acquired Denplan, UK’s largest private dental care service at that time. PPP Healthcare is a member of the AXA group, one of the world’s largest insurance and investment management firms. It offers two types of dental plans: Dental Cashplan plus and Dental Costguard.
Dental CashPlan Plus
This is a dental insurance plan that covers NHS dental costs, privately treated accident and emergency cases, and mouth cancer treatments. This plan is applicable only for adults residing in England and Wales and who are registered with NHS dentists practicing in these two regions. There are many monetary benefits to this plan, some of which are :
- Provides upper limit to £10,000 for a dental accident.
- Offers emergency temporary treatment of £1000.
- Mouth cancer coverage to £25,000.
Dental Costguard
This plan provides dental coverage for accident and emergency situations during travel. It also includes routine dental work from a private dentist or an NHS dentist. This is a budget insurance policy with pricing of £7.95 per month for a single person, £9.95 per month for two people and £11.95 per month for a family.
Boots
Boots is a very well known health and beauty dealer in the UK. The network is widespread with more than 1,500 stores with the main office in Nottingham, where the first Boots store opened in 1883. Boots entered the dental insurance market in 2001. It offers 3 types of dental coverage: NHS plan, Private Level 1 Plan and Private Level 2 Plan.
NHS Plan
If you are registered with an NHS dentist, Boots will completely compensate your expenses. The premium begins at as little as £9 per month.
Private Level 1 Plan
With this dental policy, Boots will reimburse your private dentists bills up to a certain limit. It starts from £13.50 per month.
Private Level 2 Plan
This is a good value-based policy as it provides coverage for high dental fees as billed by your private dentist. It starts from £19.50 per month.
HSA
HSA offers health insurance policies for dental, medical, rehabilitation, bone diseases and eye care. They have been around since 1922 and are a division of Simply Health Group as a conglomeration of 5 health based businesses: Adastral Health, BCWA, HealthSure, HSA and LHF. The main product lines of HSA are health cash plans, dental plans and personal medical plans.
HSA offers 3 levels of dental insurance plans starting at as little as £7. The levels of dental insurance plans are based on the upper limits of cost you choose. All three levels of dental insurance cover regular checkups, x-rays, fillings, bridges, crowns, accident, emergency, mouth cancer and worldwide coverage. Other benefits of HSA dental plans are :
- 100% recovery of your expenses for all dental maintenance such as routine checkups and x-rays.
- 75% of the total cost for fillings, bridges, crowns and other treatments.
- 100% cost recovery is offered for dental accident per covered person, dental accident in total and dental emergency cover temporary treatment.
WPA Providential
Western Provident Association (WPA Providential) was initially set up as a fund in 1901 by a group of workers in order to provide for their medical and health needs. WPA Providential offers a diverse range of health and dental insurance plans. It offers an individual dental insurance plan which covers treatment costs either an NHS dentist or a private practicing dentist. It is a limited insurance policy and does not cover all dental expenses. It offers three types of individual dental insurance plans: First Steps, Level 1 and Level 2. The plan types are based on age groups and the levels you select. You also have a choice of paying monthly or annual premiums.
First Steps :
The level covers newborn baby to 3 years of age. The premium price of first steps is the lowest as it covers only general dental treatment.
Level 1 :
Ages 4-69 years are covered in Level 1. Premium prices are lower in this level as it covers only dental injuries and certain oral problems.
Level 2 :
Ages 4-69 years are covered in Level 2. The premium prices are higher as it covers general dental treatment, dental injuries and emergencies, and WPA specified oral problems.
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