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FAQs

Here’s a selection of questions and answers that we’ve already helped our customers with.

General questions about Bupa dental products

  • You can choose from three dental insurance plans, depending on whether you are treated as an NHS or private patient, or if you want to use a Bupa dental centre. Dental Cover 10 is appropriate if you are over 18 and receive treatment from an NHS dentist, private patients will be reimbursed up to NHS band charges. Dental Cover 20 is appropriate when receiving treatment as a private patient at any dentists, and Dental Health Plan is a plan that can only be used at Bupa dental centres.

  • Our Dental Health Plan offers immediate cover for routine dental care and emergency treatment with no underwriting, meaning pre existing conditions are covered. Our Dental Cover 10 and Dental Cover 20 cover you for new conditions only which occur once your cover has started. Please also see the ‘What isn’t covered’ question.

  • For all of our dental products, you can start claiming for routine treatments such as examinations, scale and polish and X-rays straight away. For Oral cancer treatment the waiting period is six months from the start date of the policy.

    For Dental Cover 10 and 20, to be covered for all other eligible dental treatment under the policy, there is a waiting period of four months before a claim will be accepted. For emergency dental treatment no claims will be accepted within the first 14 days of the start date of the policy.

    These waiting periods begin from the policy start date and do not apply at renewal.

  • Dental Cover 10 and 20 will cover you for routine treatments, non-cosmetic treatments, emergency dental treatments, dental injuries and oral cancer treatment. Benefit limits apply. Find out more in our dental health plan membership guide (PDF, 546KB)

    Dental Health Plan covers you for routine treatment in full at a Bupa dental centre, emergency treatment and oral cancer cover. You will also benefit from 20 percent discount off general dental treatment such as veneers, fillings and teeth whitening. Benefit limits apply. Find our more in our dental health plan membership guide (PDF, 546KB)

  • There are certain benefits that, whichever plan you choose, will not be covered by your Bupa dental cover. For example cosmetic treatments, orthodontic treatments, surgical implants or any dental treatment involving or making use of or in any way related to surgical implants.

    Unlike our Dental Health Plan our Dental Cover 10 and 20 only cover you for new conditions that occur once your cover has started. If the condition you need treatment for 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, this will not be covered. 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.

    Details of all of the exclusions in place can be found in the dental health plan membership guide (PDF, 546KB). Please contact us on 0800 0121 271^ if you are unsure of what is covered.

  • You will be covered when you have agreed on the level of cover that’s right for you and you’ve set up your monthly Direct Debit. You will be sent all of the documentation that details what is and isn’t covered and how you can get in touch with us should you need to claim. Once your cover has started, you can cancel your cover within 21 days of receiving your membership certificate. Within this 21 day period, as long as you have not made any claims, we will refund all of your subscriptions. Before your renewal we will send your renewal details including your new subscription price.

  • For Dental Cover 10/20 you can continue to use your own dentists, but you can also benefit from using the Dental Plus Network. For Dental Health Plan, you can only use Bupa dental centres. Search for your nearest Bupa dental centre.

Questions about your existing cover

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Please note, we cannot accept American Express cards.

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.

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