Dental Cover 10
Dental Cover 10 is an insurance policy for those who want treatment from an NHS dentist, and are over 18 years old.
You can get 100 % of the charges you pay for treatment with an NHS dentist paid back with this scheme, up to annual limits. This includes routine work like check-ups, X-rays, scaling and polishing when clinically needed.
We’ll reimburse fillings, crowns, dentures and other non-cosmetic treatments. If you have private treatment, for example a white filling, 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. There is also unlimited cover† for oral cancer treatment subject to a six month waiting period from the start of your plan. Please refer to the membership guide for more information.
Bupa Dental Insurance network
Our Dental Insurance Network has been created to make it easy to access dental services. This national network of partner practices is quality assessed. To join our network, each dental practice must undergo a quality assessment which we hope will give you greater peace of mind. Are you closer to a Bupa approved dentist than you think?
What's included |
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Key benefits of Bupa Dental Cover 10 provided for treatment carried out in the UK. |
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Waiting period: None |
Reimbursement for all NHS treatment charges † |
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Waiting period: Four months. |
Reimbursement for all NHS treatment charges † |
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Waiting period: Six months. |
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. |
Routine dental treatment
What's included |
What's included |
What's included |
|---|---|---|
Key benefits of Bupa Dental Cover 10 provided for treatment carried out in the UK. |
Key benefits of Bupa Dental Cover 10 provided for treatment carried out in the UK. |
Key benefits of Bupa Dental Cover 10 provided for treatment carried out in the UK. |
|
Waiting period: None |
Reimbursement for all NHS treatment charges † |
|
Waiting period: Four months. |
Reimbursement for all NHS treatment charges † |
|
Waiting period: Six months. |
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 don't pay for
- Cosmetic and orthodontic treatment.
- Any condition you need treatment for that existed before your policy started.
- Dental implants or any dental treatment involving or making use of or in any way related to dental 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 but it is not limited to this scenario.
- 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.
- A dental treatment resulting from or related to a self-inflicted injury or any dental treatment resulting from or related to any injury sustained whilst participating in a physical contact sport.
- 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.
- 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.
^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 12:30pm.
† Each NHS band includes the treatment offered in a lower band. Within a two-month period your dentist should only charge you once and at the highest band charge for the course of NHS treatment received. Likewise we will only reimburse you for the highest banded NHS treatment received in any two-month period. If you are charged more than once, we will reimburse you for one charge only. Further information on NHS dental charges can be found on the NHS Choices website.
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.
