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Dental insurance product help

Here’s some useful information about your dental insurance policy, including details on how to make a claim in three easy steps and answers to some frequently asked questions.

If you are not a Bupa dental insurance member, find out more about how you can join.
If you have any queries please call us on

0345 609 0111^

We're open 8am -8pm Monday to Friday, 8am-4pm Saturdays

How to claim in three easy steps

Step 1

Complete your claim form

If your dental treatment is covered you will need to fill out the claim form.

Make a claim

Make a claim online

We will require either a photograph or a scan of your receipts to process your claim.

Download Bupa dental claim form (PDF, 1.52MB)

Call us on 0800 237 777^ if you are unsure what you are covered for.


Step 2

Pay for your treatment and remember to get a dated receipt

Once you have had your treatment and paid for it, make sure to request a dated receipt so that we can reimburse you.

Search Bupa dental facilities

Find a Dental Centre convenient for you.

Search for a Dental Centre



Step 3

Return your claims form to us

Check and sign your completed claim form with your dated receipt attached (plus your BACS form if this is how you want to be paid) and send it back to us at:

Bupa Dental Cover
Bupa Place,
102 The Quays,
Salford M50 3SP.

Once we have made our payment, we will send you a summary of your claim and treatment details. Please note that payment may take up to two weeks depending on how quickly invoices are submitted to us.

Payment direct to your bank

If you would like to receive payments for claims settlements directly to your chosen bank or building society account instead of posting a cheque to you, we can automatically pay your claim by BACS.

Download BACS form (PDF, 1.1MB)

Useful documents

Here are two different forms to help you manage your dental cover.

Here's selection of questions and answers that we've already helped our customers

You can choose from three dental insurance plans, depending on whether you are treated as an NHS or private patient, or if you want to use a Bupa Dental Centre. Dental Cover 10 is appropriate if you are over 18 and receive treatment from an NHS dentist. Dental Cover 20 is appropriate when receiving treatment as a private patient at any dentists, and Bupa Dental Health Plan is a membership plan that can only be used at Bupa Dental Centres.
No. Our dental products cover you for new conditions that occur once your cover has started. Please also see the ‘What isn’t covered’ question.
For all of our dental products, you can start claiming for routine treatments such as examinations, scale and polish and X-rays straight away. For oral cancer treatment the waiting period is six months from the start date of the policy. For Dental Cover 10 and 20, to be covered for all other eligible dental treatment under the policy, there is a waiting period of four months before a claim will be accepted. For emergency dental treatment no claims will be accepted within the first 14 days of the start date of the policy. These waiting periods begin from the policy start date and do not apply at renewal.
Bupa Dental Cover 10 and 20 will cover you for routine treatments, non-cosmetic treatments, emergency dental treatments, dental injuries and oral cancer treatment. Your membership certificate shows which dental cover applies to your benefits (Dental Cover 10 or Dental Cover 20) and the maximum annual benefit limits that apply. Bupa Dental Health Plan covers you for routine treatment in full at a Bupa Dental Centre, emergency treatment and oral cancer cover. You will also benefit from 20% discount off general dental treatment such as veneers, fillings and teeth whitening.
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. Bupa Dental Cover only covers you for new conditions that occur once your cover has started. 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 or any contact sport but it is not limited to these scenarios.

Details of all of the exclusions in place can be found in the Bupa membership guide (PDF, 214KB), a copy will be sent to you once you have taken your cover out. Please contact us on 0800 0121 271^ if you are unsure of what is covered.
You will be covered when you have agreed on the level of cover that’s right for you and you’ve set up your monthly Direct Debit. Once you’re a member 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 should 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. Before your renewal we will send your renewal details including your new subscription price.
For dental cover 10/20 you can continue to use your own dentists, but you can also benefit from using the Bupa dental plus network. Find out more about our dental health plans. For dental health plan, you can only use Bupa dental centres. Search for your nearest Bupa dental centre.
There is no waiting period for any Bupa Health Cash Plan if you’re transferring from another health cash plan. If you have served a 52 week qualifying period with another provider and can provide proof of this to us, then we will also honour any maternity and adoption claims immediately.

Contact our member services team for advice, treatment requests or if you have any general queries

^Calls may be recorded and may be monitored.

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.