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Finance and insurance

Dental Cover 20

Dental Cover 20 is a dental insurance scheme for privately registered patients.

We will pay for a range of eligible routine dental procedures, such as check-ups and X-rays, up to specified annual limits. We also pay for up to 75 percent of the costs of, up to £700 annually, non-cosmetic treatments including fillings, crowns and root canals.

Emergency work is also catered for, and there is unlimited cover for oral cancer treatment subject to a six month waiting period from the start of your plan.

What's included

What's included
Key benefits of Dental Cover 20, provided for treatment carried out in the UK.

Routine dental treatment

Routine procedures like check-ups, X-rays and scale and polish.

We will pay up to £150 per year

Dental treatment

For non-cosmetic treatment such as fillings, root canals, extractions, crowns, bridgework and dentures.

We will pay up to 75 percent of your treatment costs to a total of £700 per year

Emergency dental treatment

Temporary dental treatment carried out in the UK by a dental professional, which is urgently required in order to alleviate pain. Also covered is an inability to eat or any acute dental condition which presents an immediate and serious threat to general health. Including X-rays and repair of dentures.

We will pay up to £600 per year

Dental injury

Dental injury treatment that is carried out in the UK and is required as a result of an external impact. This excludes dental injury as a result of contact sports.

We will pay up to £5,000 per year

Oral cancer treatment

Any treatment for cancer of the oral cavity, lips, tongue and/or pharynx provided by a consultant.

No annual limit – paid in full. All of your eligible treatment expenses will be covered, providing you are treated at one our partnership facilities by one of our partnership consultants. There is a six month waiting period from the start of your plan for oral cancer treatment.

We do not pay for

  • Cosmetic and orthodontic treatment.

  • Surgical implants or any dental treatment involving or making use of or in any way related to surgical implants.
  • Dental treatment received outside the UK.
  • Mouthguards.
  • Any dental treatment or services not normally provided by dental professionals in the UK.
  • Replacing a prosthetic appliance which has been lost, stolen or which could have been repaired according to generally accepted dental standards.
  • Replacing a prosthetic appliance within five years of it having been fitted, apart from dentures.
  • Any condition you need treatment for that arises after your policy started but is a direct or indirect result of an external impact which occurred before the start date of your policy. An external impact could include, for example, injury resulting from a car accident or any contact sport but it is not limited to these scenarios.
  • A dental treatment resulting from or related to a self-inflicted injury.
  • Any dental treatment required as a result of nuclear or chemical contamination, war, invasion, acts of foreign enemies or hostilities whether war be declared or not. Similarly, we exclude treatment required due to civil war, rebellion, revolution, terrorism, insurrection, or military or usurped power.
  • Any dental treatment which is experimental or unproven except where such dental treatment is obtained overseas. In such cases, reasonable opinion will be based on established dental and medical practice in that jurisdiction. Otherwise, our opinion is based on established dental and medical practice in the UK and overseas.

  • Self-administered drugs such as antibiotics and painkillers or prescription charges.
  • Any oral cancer treatment received by you or any of your dependants if the oral cancer was diagnosed: (a) before the person with the oral cancer began their current continuous period of membership of the scheme (or any Bupa dental scheme which included cover for this type of treatment); (b) during the first six months of their current continuous period of membership of the scheme.
  • Any oral cancer treatment if the person receiving the treatment has not been referred to the specialist registered medical practitioner by their GP or dental professional.
  • Any dental injury treatment arising as a direct or indirect result of an external impact which occurred outside the UK.

What's next?

Call us

Call us now for more information or to purchase dental cover.

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Search our online directory of Bupa Dental Centres by location, Dental Centre name or find a specific dentist or hygienist.

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Bupa Dental Services are provided by Bupa Dental Services Limited. Registered office: Bupa House, 15-19 Bloomsbury Way, London WC1A 2BA.
Registered number: 479557.

Bupa Dental Insurance is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433 Bupa Insurance limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority .Registered in England and Wales No. 3829851. Registered office: Bupa House, 15-19 Bloomsbury Way, London WC1A 2BA.