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Compare our dental insurance policies

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 for full details of what’s covered, what’s not covered and any limitations on cover by treatment type.

Treatment

Dental Cover 10

More about Dental Cover 10

Dental Cover 20

More about Dental Cover 20

Waiting periods

Preventative dental treatment (UK only)

For example: routine examinations, X-rays and a scale and polish (by your dentist or hygienist)

Up to NHS limits

Up to £150 per policy year

No waiting period

Restorative dental treatment (UK only)

For example: fillings, root canals, extractions, crowns and bridges

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 (UK only)

No cove

Up to £600 per policy year

14 days from your cover start date when you first join the policy

Dental injury treatment (UK only)

No cover

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

More about Dental Cover 10

Dental Cover 20

More about Dental Cover 20

Waiting periods

Preventative dental treatment (UK only)

For example: routine examinations, X-rays and a scale and polish (by your dentist or hygienist)

Up to NHS limits

Up to £150 per policy year

No waiting period

Restorative dental treatment (UK only)

For example: fillings, root canals, extractions, crowns and bridges

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 (UK only)

No cove

Up to £600 per policy year

14 days from your cover start date when you first join the policy

Dental injury treatment (UK only)

No cover

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

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:

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.

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.

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, 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, 0.2MB)

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. We also only cover treatments carried out in the UK.

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 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.

†† 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

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