Compare our dental insurance policies
Dental Cover 10
With Dental Cover 10, you're covered for dental treatment from the NHS and insured for oral cancer.
Available for those who want treatment from an NHS dentist, and are over 18 years old.
What does it cover?
All dental treatment up to NHS band limits††, including
preventative work like check-ups, X-rays, and scale and polish
if clinically needed. It includes treatments that are covered
under the NHS such as fillings, root canals, extractions, crowns
and bridges.
If customers have private treatment that would have been eligible under an NHS dentist, we will cover the NHS equivalent costs††.
Dental Cover 20
Dental Cover 20 allows you to spread the cost of dental treatment over and above NHS limits (private treatment) for preventative treatments.
It also insures you for restorative treatment, dental injury treatment and oral cancer.
What does it cover?
Treatments at any private dentist. It includes up to £150 per
year for preventative treatment, like routine examinations,
x-rays and scale and polish.
It covers 75% of the cost up to £700 on restorative treatments like fillings, root canals, extractions, crowns and bridges.
To get dental cover, call our team on 0345 600 4779^
††See the NHS website for further information on treatments, and NHS band charges.
Compare our dental insurance
To find the right policy for you, you can check the dental insurance comparison table. The table shows the maximum amount of benefits you can claim, and this is the most each policy holder can claim in a year.
See the Dental Membership Guide (PDF 0.7MB) for full details of what’s covered, what’s not covered and any limitations on cover by treatment type.
|
Treatment |
Dental Cover 10 |
Dental Cover 20
|
Waiting periods |
|---|---|---|---|
|
Preventative dental treatment (UK only) |
Up to NHS limits |
Up to £150 per policy year |
No waiting period |
|
Restorative dental treatment (UK only) |
Up to NHS limits |
75% towards the cost of your treatment up to £700 per policy year |
4 months from your cover start date when you first join the policy |
|
Emergency dental treatment (Worldwide cover) |
£600 per policy year consisting of three emergencies up to £200 each |
£600 per policy year consisting of three emergencies up to £200 each |
14 days from your cover start date when you first join the policy |
|
Dental injury treatment (Worldwide cover) |
Up to £5000 per policy year |
Up to £5000 per policy year |
4 months from your cover start date when you first join the policy |
|
Oral cancer treatment (UK only) |
Paid in full when being referred for oral cancer treatment and using partnership consultants and partnership facilities |
6 months from your cover start date when you first join the policy |
|
|
Treatment |
Dental Cover 10 |
Dental Cover 20
|
Waiting periods |
|---|---|---|---|
|
Preventative dental treatment (UK only) |
Up to NHS limits |
Up to £150 per policy year |
No waiting period |
|
Restorative dental treatment (UK only) |
Up to NHS limits |
75% towards the cost of your treatment up to £700 per policy year |
4 months from your cover start date when you first join the policy |
|
Emergency dental treatment (Worldwide cover) |
£600 per policy year consisting of three emergencies up to £200 each |
£600 per policy year consisting of three emergencies up to £200 each |
14 days from your cover start date when you first join the policy |
|
Dental injury treatment (Worldwide cover) |
Up to £5000 per policy year |
Up to £5000 per policy year |
4 months from your cover start date when you first join the policy |
|
Oral cancer treatment (UK only) |
Paid in full when being referred for oral cancer treatment and using partnership consultants and partnership facilities |
6 months from your cover start date when you first join the policy |
What's not covered
Some examples of what’s not covered on this policy:
- Cosmetic treatment
- Dental injury whilst participating in a physical contact sport such as rugby or boxing,
- Dental injury as a direct or indirect result of an external impact before the start date of the policy
- Dental treatment resulting from or related to a self-inflicted injury
- Fissure sealants
- Mouthguards
- Orthodontic treatment
- Pre existing conditions (this means you had symptoms or knew about the condition before you joined the policy, or a dental professional had already recommended the dental treatment.)
- Surgical implants
- Any treatments received during the waiting period when your cover first starts
- Restorative dental treatment received or planned at your first dental examination if you have not had a dental examination in the 24 months before you join the policy
Leaving your Bupa company dental scheme?
We can welcome you on a new, personal dental policy
Choose between a Dental Cover 10 or Dental Cover 20 policy within three months of your company dental scheme ending. You'll need to pay from the date your scheme ends. No break in cover means no waiting periods to start using some of your benefits.
Talk to us about switching to a personal policy on 0800 237 777^
Benefits of the Bupa Dental Insurance Network
We have a nationwide network of Bupa owned and Bupa approved dental practices. Our practices give dental insurance customers hassle-free access to quality care and discounts‡ on treatment.
Benefits of using dental practices in our network.
- Up to 20% discount on general dental treatment‡
- No Forms, No Fuss Claiming‡‡
- Reassurance that all the dental practices in our network have been quality checked
Don't forget, you're free to stick with your own dentist, or you can choose a dentist in the Bupa Dental Insurance Network.
Our network gives you the reassurance that you're visiting a practice that meets our quality standards, you will also benefit from up to 20% discount‡ on general dental treatments.
Call to discuss our policies
0345 600 4779^Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 12:30pm.
Email us
Please be aware that information you send to this email address may not be secure unless you send us your email through Egress.
For more information and to sign up for a free Egress account, go to https://switch.egress.com. You will not be charged for sending secure emails to a Bupa email address using the Egress service.
Business health cover
Whatever your business, we've got healthcare cover options to help support your employees. We offer different types of support depending on the size of your business.
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 (only covered on Dental Cover 10 if deemed clinically necessary) 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.
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, as long as it would have been eligible under an NHS dentist, 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, 0.6MB)
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, 0.6MB), 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 when 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.
^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 12:30pm.
† Paid in full when being referred for oral cancer treatment and using partnership consultants and partnership facilities.
†† The NHS has fixed charges for treatment; the price will vary depending on your location in the UK.
‡ 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.
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: 1 Angel Court, London, EC2R 7HJ
