Dental Cover 20
Dental Cover 20 is a dental insurance policy for privately registered patients.
We’ll pay up to £150 per year for routine dental treatment such as check ups and scale and polish. We'll also pay up to 75% of your restorative dental treatment costs up to £700 per year. Restorative dental treatment includes fillings, crowns, bridges and extractions; there is a four month waiting period from when you join the scheme for any restorative dental treatment.
Emergency and injury dental treatment is also catered for subject to waiting periods. There is also unlimited cover† for oral cancer treatment subject to a six month waiting period from the start of your plan.
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.
What's included
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Routine dental treatment Routine procedures like check-ups, X-rays and scale and polish. |
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We'll pay up to £150 per year |
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Waiting period: None |
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Dental treatment For non-cosmetic treatment such as fillings, root canals, extractions, crowns, bridgework and dentures. |
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We'll pay 75% of your treatment costs up to a total of £700 per year |
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Waiting period: Four months. |
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Emergency dental treatment Urgent dental treatment carried out in the UK by a dental professional, which is urgently required and was not pre-planned in order to alleviate pain. Also covered is an inability to eat or any acute dental condition which presents an immediate and serious threat to general health. Including X-rays and repair of dentures. |
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We'll pay up to £600 per year |
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Waiting period: 14 days after start date. |
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Dental injury Dental injury treatment that's carried out in the UK and is required as a result of an external impact. This excludes dental injury as a result of contact sports. |
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We'll pay up to £5,000 per year |
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Waiting period: Four months. |
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Oral cancer treatment Any treatment for primary cancer of the oral cavity from the lips to the back of the tongue, but excluding the tonsils and the salivary glands provided by a consultant. |
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† 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. |
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Waiting period: Six months. |
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.
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.
