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What is dental insurance?

Dental insurance policies can cover routine check-ups, as well as the costs of dental work, including dental injuries and emergencies.

You pay the dentist first, then claim back your money. You can have the work done at either an NHS practice or at a private clinic. You can normally only start to claim between one and three months after you buy the insurance, but you can claim immediately for preventative treatments like routine exams, x-rays, and scale and polish by dentists or hygienists (Dental 20). Waiting periods apply on the other benefits.

To get dental cover, call our team on 0345 600 4779^


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What you get with Bupa dental insurance

Benefits of using practices in the Bupa Dental Insurance Network

You can choose from two dental insurance plans, depending on whether you are treated as an NHS or private patient. Dental Cover 10 is appropriate if you are over 18 and want a product to cover the cost of dental treatment carried out on the NHS by an NHS dentist and insurance against oral cancer. If you are a Dental Cover 10 customer and you have private treatment we will pay the NHS equivalent costs - the amount of money your treatment would have cost if it had been carried out and charged by the NHS.

Our Dental Cover 10 and Dental Cover 20 cover you for new conditions only which occur once your cover has started. If you have not had a dental examination in the 24 months before you joined the policy, we will not pay for any treatment identified as necessary; planned or that you receive at the first dental examination by a dental professional after you join the policy. Please also see the 'What isn't covered' question.

For all of our dental products, you can start claiming for Preventative treatments such as routine examinations, scale and polish and X-rays straight away.

There is a four month waiting period for Restorative dental treatment, for example fillings, root canal work, extractions, crowns, dentures, bridges and other laboratory work. For oral cancer treatment the waiting period is six months from the start date of the policy.

With Dental Cover 20 you are also covered for emergency dental treatment 14 days from when your policy starts whereas dental injury treatment is available after four months.

Dental Cover 10 will cover treatment costs which are carried out on the NHS by an NHS dentist. If you do have any private treatment, then we will pay the NHS equivalent costs - the amount of money your treatment would have cost if it had been carried out and charged by the NHS.

Dental 20 will cover you for routine treatments, non-cosmetic treatments, emergency dental treatments and dental injuries.

There is also unlimited cover† for oral cancer treatment on both Dental Cover 10 and 20 which is subject to a six month waiting period from the start of your plan. Find out more about our dental cover options. (PDF, 0.2MB)

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.

Our Dental Cover 10 and 20 only cover you for new conditions that occur once your cover has started. If you have not had a dental examination in the 24 months before you joined the policy, we will not pay for any treatment identified as necessary; planned or that you receive at the first dental examination by a dental professional after you join the policy.

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 but is not limited to this scenario.

Details of all of the exclusions can be found in the membership guide (PDF, 0.2MB), IPID Dental Cover 10 (PDF, 0.1MB) and IPID Dental Cover 20 (PDF, 0.1MB) that will also be sent to you once you ve taken your cover out.

You will be covered when you have decided 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 paid. Before your renewal we will send your renewal details including your new subscription price.

For Dental Cover 10 and 20 you can continue to use your own dentists, but you can also benefit from using the Bupa Dental Insurance Network. Find out more about our dental cover options.

You must inform the dentist you have Bupa dental insurance and provide your membership number prior to your appointment to benefit from this offer. 10% or 20% discounts are available depending on the practice and the dentist you are seeing. To find the selected Bupa owned and approved network dental practices where this offer is available, see finder.bupa.co.uk and search the Bupa Dental Insurance Network. Discount excludes laboratory fees and specialist treatment and cannot be used against NHS and Bupa Dental Essentials services. Discount cannot be used in conjunction with any other discount.

††Claims are forwarded by selected practices in the Bupa Dental Insurance Network as agent of Bupa Insurance Limited. Any claims for orthodontic, dental emergency, dental injury treatment and oral cancer cannot be processed by the dental practice and a claim form must be submitted. Also, all claims for NHS treatment in Scotland and Northern Ireland must be submitted using a claim form. For a claim form go to bupa.co.uk or call us on 0800 237 777. We may record or monitor our calls.

^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 12:30pm.

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 theFinancial 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: 1 Angel Court, London, EC2R 7HJ.

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