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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

0808 301 5481^

We’re open Monday to Friday 8am to 6pm and Saturday 8am to 1pm.

How to claim in three easy steps

Step 1

Pay for your treatment and remember to get a dated receipt

Once you have had your treatment and paid for it, make sure you obtain a dated receipt so that we can reimburse you. Your receipt must show the name and contact details of your dental professional, date and type of treatment, and the name of the person who has had the treatment.

Search Bupa dental facilities

Find a Dental Centre convenient for you.

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Step 2

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 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.

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 two dental insurance plans, depending on whether you are treated as an NHS or private patient. Dental Cover 10 is an insurance policy for those who want treatment from an NHS dentist, and are over 18 years old. Dental Cover 20 is a dental insurance policy designed for use with a private dentists.

No. Our Dental Cover 10 and Dental Cover 20 products only cover you for new conditions 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 routine treatments such as examinations, scale and polish 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 have private treatment, for example a white filling or a hygienist scale and polish, 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.

Our Dental Cover 10 & 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. 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.

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 1pm.

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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.