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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 per cent 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.

We’ll reimburse fillings, crowns, dentures and other non-cosmetic treatments. Emergency treatment and injury repairs are also covered with some exclusions. Please refer to the membership guide for more information.

Find a Bupa dentist

Bupa Dental Plus network

Are you closer to a Bupa approved dentist than you think?

We understand that it can be difficult to get dental treatments at a time and place that suits you, with a dentist you can trust. As well as growing our own dental centres, we’re working with an ever-growing number of dentists to improve our national network.

What's included

What's included
Key benefits of Bupa Dental Cover 10 provided for treatment carried out in the UK.

Routine dental treatment

Routine procedures like check-ups, X-rays and scale and polish.


Waiting period: None

Reimbursement for all NHS treatment charges

Restorative dental treatment

For non-cosmetic treatment such as fillings, root canals, extractions, crowns, bridgework and dentures.

Waiting period: Four months.

Reimbursement for all NHS treatment charges

Emergency dental treatment

Temporary dental treatment carried out in the UK by a dental professional, which is urgently required 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.

Waiting period: 14 days after start date.

Reimbursement for all NHS treatment charges

Dental injury

Dental injury treatment that is 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.

Waiting period: Four months.

Reimbursement for all NHS treatment charges

Oral cancer treatment

Any treatment for cancer of the oral cavity, lips, tongue and/or pharynx provided by a consultant that has been recognised by Bupa.

Waiting period: Four 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

What's next?

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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.