The 6 Best UK Dental Insurance Policies - Honest Review (2023)

Here is an overview of the 6 best dental insurance policies in the UK fÖto give you a healthy mouth.

**We do not offer or sell dental plans, these are our insights only, we cannot advise you**

What is supplementary dental insurance?

Broken down, dental insurance is essentially a policy that covers your dental treatment. In the UK this can be with the NHS or privatelie. You pay for the dental treatment and then claim your money back from your health insurance company.

You may be thinking what's the point of dental insurance when we have the NHS?

A common mistake – wWell, unless you're under 18, studying full-time or pregnant, you still have to pay for your dental treatment from the NHS. For example, the cost of a basic Level 1 dental check for the NHS is £22.70.

Dental insurance also aims to cover NHS treatment or pay part of the cost of private treatment.

Additional dental insurance benefits:

  • Useful in case of emergencies or accidents: Most insurance companies usually cover emergencies and accidents as part of their policy. Most likely, this would save you drastically in costs.
  • Payment flexibility: depending on you, payments can be monthly or yearly (you decide what's best for you)
  • Prices can be negotiated based on the type of coverage and whether the policy is for an individual or a group such as a group. B. a family, applies.
  • Dental insurance will help you with the costs: NHS treatments are usually covered in full or almost in full, private treatments are partially covered by your health insurance
  • Dental insurance offers more treatment options

Disadvantages of supplementary dental insurance:

  • It can get very expensive if you don't need it, for example if your teeth are in onebuenoCondition and well cared for you would pay for insurance you wouldn't use it much(it will cost you more!)
  • Most policies state that you cannot claim initially; on average usually 3 to 6 months.
  • Not all treatments are covered, ie cosmetic.s– If a specific treatment you want is not covered, you will have to pay for it yourself
  • Usually one limit per year – you can claim up to a certain amount per year, which resets annually

In general, it's good to have dental insurance to be more secure or when you need dental insurance without having to pay all the expenses in full. Almost all policies cover general dental care, emergencies, accidents, oral cancer treatment, and some cover hospital benefits.

The 6 best dental insurance policies in the UK


The 6 Best UK Dental Insurance Policies - Honest Review (1)

Axa covers a range of health plans for personal use, small businesses or businesses. They have two dental care guidelines.


  • NHS treatment
  • routine examination,HygieneTreatments, periodontal treatments
  • Dental work and X-rays on NHS (claim after 1 month)
  • Treatments in the NHS to repair damage such as fillings, crowns etc. (After 1 month)
  • Worldwide dental insurance - up to £2500 per dental accident (for 4 accidents)
  • Coverage of oral cancer
  • Hospital Allowance – Up to £60 per night for 3 nights
  • Annual premium = £119.58
  • No limit on checkup entitlements

Plan tooth premium:

  • private treatment
  • 50% of the cost of private dental treatmentTreatment (after 3 months)
  • Annual Premium = £256.04


The 6 Best UK Dental Insurance Policies - Honest Review (2)

Boots offers three types of dental insurance.

All plans include:

  1. Routine treatments, ie revisions, fillings, dentures.
  2. Contribution to the cost of NHS treatments
  3. hospital allowance
  4. dental emergency treatment


  • Starting price for individual insurance = £10.82 per month
  • NHS treatment only
  • 1 = up to £500
  • 2 = up to €500
  • 3 = up to £5000
  • 4 = not covered
  • Complaint after 3 months

Level 1:

  • Starting price for individual insurance = £15.82 per month
  • NHS treatment and contributions to private treatment
  • 1 = up to £750
  • 2 = up to £1000
  • 3 = up to £5000
  • 4 = up to £5000

Level 2:

  • Single cover starting price =23,02 £
  • NHS treatment and higher contributions to private treatment than Tier 1
  • 1 = up to £10002 = up to £1500
  • 3 = up to £5000
  • 4 = up to £10,000


The 6 Best UK Dental Insurance Policies - Honest Review (3)

Bupa offers two different types of dental insurance.

Dental insurance 10:

  • NHS treatment
  • Routine dental treatment = 100% reimbursement for NHS treatments
  • dental treatments =100% refund for NHS treatments
  • emergency care =100% refund for NHS treatments
  • injuries =100% refund for NHS treatments
  • Oral cancer treatment = no annual limit - paid in full, all costs covered if treated by a consultant doctor (entitlement after 6 months)

Dental insurance 20:

  • private dentist
  • Routine dental treatment = £150 per year (entitlement after 4 months)
  • Dental Treatments = up to 75% discount on treatment costs, totaling £700 per year
  • Emergency cover = up to £600 per year
  • Injury = up to £5000 per year
  • Mundkrebs =no annual limit - paid out in full, all costs are covered for partnership consultants (entitlement after 6 months)


The 6 Best UK Dental Insurance Policies - Honest Review (4)

WPA offers two different dental plans.

Level 1:

  • From £2.55 per week
  • NHS treatment only
  • General dental treatment = 100% of claimed costs (after 30 days)
  • Emergencies = 75% of costs up to £500, only 2 claims (after 14 days)
  • Injury = £10,000 (claim after 14 days)
  • Oral cancer = £10,000 (claim after 90 days)
  • Hospital Allowance = £200 per day/night, up to a maximum of £2,000

Level 2:

  • From £3.63 per week
  • NHS or private treatment
  • General dental treatment = 75% of treatment costs up to £250
  • Emergencies = 75% of treatment costs up to £1000 - maximum 4 claims
  • Injuries = £20,000
  • Mundkrebs = 10.000 £
  • Hospital allowance = £200 per day/night, maximum £2000


The 6 Best UK Dental Insurance Policies - Honest Review (5)

There are 5 different dental insurance plans available; NHS, Silver, Gold, Platinum and Diamond. In which the price increases as the benefits of the package increase.

National Health Service:

  • Coverage starts at £6 per month
  • Routine dental care = £22.70 annual policy cap, 100% refund; immediate return
  • scale and polish =£22.70 annual policy limit,complain100% money back request immediately
  • Fillings, extractions, denturesetc.= £124.20 annual insurance limit, 100% recovery (after 60 days)
  • Accident = £2,500 annual insurance limit, 100% claim (after 15 days)
  • Emergency = £425 annual policy limit, 100% recovery (after 15 days)
  • Oral cancer = £2500 per yearPoliticsLimit, 100% reclaim (after 60 days)


  • Coverage starts at £9 per month
  • Routine dental treatment = £55Annual Policy Limit, Eligible for 100% Refund – Claim Immediately
  • Scale and polish = £65annual policy limit, Claim 80% Returns - Claim Instantly
  • Fillings, extractions, prostheses etc = £410annual policy limit, eligible for 55% return (after 60 days)
  • Accident = £7500annual policy limit, request a 100% refund (after 15 days)
  • Emergency = £850annual policy limit, request a 100% refund (after 15 days)
  • Hospital Allowance = £50 per night, 100% refundable (after 90 days)
  • Oral Cancer = £7500, 100% refund (after 60 days)

Cheers only:

The 6 Best UK Dental Insurance Policies - Honest Review (6)

Simplyhealth offers various dental insurances that differ in price.

Level 1:

  • £9.55 per month
  • Complaints must be made after a period of 3 months.
  • Zahninvestigations= 45 €
  • Scale and polish = £35
  • Treatments = £200
  • Emergency = up to £500
  • Accidents = up to £5000
  • Hospital Allowance = £50 per day/night – up to 20 days/nights per year
  • Mundkrebs = £5000

Level 2:

  • £15.92 per month
  • Claims must be asserted after a period of 3 months.
  • Zahninvestigations= £75
  • scale and polish = £65
  • treatments = £400
  • Emergency = up to £500
  • Accidents = up to £5000
  • Hospital Allowance = £50 per day/night – up to 20 days/nights per year
  • Mundkrebs = £5000

Level 3:

  • £22.56 per month
  • Complaints must be made after a period of 3 months.
  • Zahninvestigations= £105
  • scale and polish = £95
  • treatments = £600
  • Emergency = up to £500
  • Accidents = up to £5000
  • Hospital Allowance = £50 per day/night – up to 20 days/nights per year
  • Mundkrebs = £5000


In short, dental insurance takes a number of things into account depending on how necessary it is and what type of insurance you are looking for. Personally I would choose Bupa Dental Insurance as it is very straightforward and I know exactly what I am getting into whether I want private or NHS dental treatment. The prices offered are good, which is important when making a purchase decision.

Conversely, the insurance provider you probably wouldn't buy from would be Boots since the first policy they offer doesn't cover emergency dental treatment. This is something I hope all policies cover as it is one of the main reasons I consider dental insurance. So you're less likely to consider this provider even though they cover it in their other premium offerings.

In general, these are just my honest comments on what I would personally choose. Despite this, all insurance providers listed are very successful, so it is important that you decide which policy is best for you personally.

What do you do next?

Hopefully this blog has given you an idea of ​​the different dental insurance policies available in the UK. For more information, please contact the dental insurance carriers listed above.We cannot advise, sell or promote any particular dental plan; In fact, we are a dentist marketing agency in the UK.

Here's another blog that might interest you:

Single Tooth Dental Implant Prices in UK - Infographic


Does the UK have better dental care than the US? ›

This belief is perpetuated by Hollywood, as it seems that everyone living in the United States has perfectly aligned, pearly white teeth. However, new research reveals that oral health in the UK is actually on a par with – or even slightly better than – that found in the US.

What is the average monthly cost of Denplan? ›

Denplan Care

After an initial assessment by the dentist of your oral health you will be placed into one of five fee categories: Category A: £24.09 per month. Category B: £32.14 per month. Category C: £38.43 per month.

What are the 4 main categories of dental coverage? ›

Dental coverage is broken up into four main categories: preventive care, basic care, major restorative care and orthodontics. Most plans take what's known as the 100-80-50 approach to coverage.

Is Delta dental A good dental insurance? ›

AM Best gives Delta Dental insurance company an overall “A” rating, indicating the carrier is an excellent choice for insurance customers. Established in 1899, AM Best is one of the oldest rating companies in the world.

Is dentistry worth it in the UK? ›

Demand for dentists is on the rise in the UK which means that there would be more job opportunities after completing your dentistry. It's a long course, 4-6 years but the payback is worth it. It's an extensive field of study but the UK has great offers.

Is UK dental degree valid in USA? ›

The UK's BDS degree is only considered valid in certain countries. This does not include the USA, where a UK dentist will have to undertake an additional two to three years of training at a US accredited dental school to get a doctorate of dental surgery (DDS).

Which country has the most advanced dental care? ›

Find out which countries can boast top dental ratings because their citizens have the world's cleanest, best teeth.
  • How Were the Countries Ranked? How were these countries rated? ...
  • Denmark. In the top spot, with an impressive score of 0.4, is Denmark. ...
  • Germany. ...
  • Finland. ...
  • Sweden. ...
  • United Kingdom. ...
  • Switzerland. ...
  • Canada.

Does Medicare cover dental implants 2023? ›

Does Medicare cover dental implants? No, Original Medicare doesn't provide coverage for dental implants. However, some Medicare Advantage plans do offer some coverage for dental implants, so be sure to review your specific policy before pursuing any procedures.

Is Medicare good for dental? ›

Dental services

Medicare doesn't cover most dental care (including procedures and supplies like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices). Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

How to get dental implants covered by insurance? ›

Dental insurance plans that provide coverage for injuries that require replacing a tooth may cover dental implants. You may be able to get your dental insurance provider to give you an allowance to use towards dental implants equal to the cost of a bridge or traditional dentures.

What does Denplan not cover? ›

Denplan Essentials does not cover :

Restorative dental treatments including fillings, crowns, bridges or dentures (at the discretion of your dentist) Laboratory fees and prescriptions.

Is Denplan worth doing? ›

Summary. Denplan is a prepaid dental plan that allows you to spread the cost of routine dental treatment over the course of 12 months. It is fairly limited in the types of issues that it covers, which means it is only really worth it for people who have trouble budgeting for ad hoc expenses through the year.

Is it worth joining Denplan? ›

If you already have a few crowns or fillings and you need regular dental work, it can help keep the costs manageable. It's simple to join and you can budget in advance for your regular dental care. However, if you rarely need dental work, you might be better off simply paying for treatment as you go on the NHS.

Which type of dental plan is the most common? ›

A preferred provider organization (PPO) is one of the most common types of plans available. Dentists join a PPO network and negotiate their fee structure with insurers.

What are the two most common types of dental benefits? ›

Here's a breakdown of three of the most common types of plans and how they work:
  • Preferred Provider Organization (PPO) A PPO is a dental plan that uses a network of dentists who have agreed to provide dental services for set fees. ...
  • Dental Health Maintenance Organization (DHMO) ...
  • Discount or Referral Dental Plans.

Is a root canal considered basic or major? ›

Root canals are most commonly considered a basic dental procedure rather than major, and for wisdom teeth, whether or not the tooth is impacted will determine the procedure level.

What is the difference between Delta PPO and Premier? ›

Delta Dental PPO is a PPO network where dentists who participate agree to reduced costs as payment in full. Members who use a Delta Dental PPO will have the lowest out-of-pocket costs. Delta Dental Premier is a managed fee-for-service network where dentists agree to a maximum plan allowance as payment in full.

Is Delta USA the same as Delta Dental? ›

DeltaCare USA (administered by Delta Dental Insurance Company) provides you and your family with quality dental benefits at an affordable cost. The DeltaCare USA program is designed to encourage you and your family to visit the dentist regularly to maintain your dental health.

What is the difference between low and high dental plans? ›

High and Low Categories of Dental Plans

A high option dental plan has a higher premium but lower copayments and deductibles. You will pay more on a monthly basis and less when you actually use dental services. A low option plan has a lower premium but higher copayments and deductibles.

Where does the UK rank in dental health? ›

According to a new study, people in Ireland, Lithuania and Azerbaijan all take better care of their teeth than Brits. The UK, in 12th place, fails to make the top 10 European countries in terms of dental hygiene, despite having lower sugar consumption and fewer smokers than most of Europe.

Where does UK rank in dental care? ›

The UK ranks joint second for dental conditions across Europe – despite having one of the lowest numbers of dentists per capita.

Why are there no dentists in the UK? ›

The shortage of dental treatment is caused by a mixture of factors. Too few new dentists are being trained, according to Dr Nigel Carter, CEO of the Oral Health Foundation. He added that Brexit, coronavirus, and dentists' dissatisfaction with NHS contracts have also contributed to the shortage.

Is dentistry worth it in USA? ›

U.S. News & World Report ranks jobs yearly, and in 2021 dentistry came up as the No. 9 best job in the country and the No. 11 best paying career3. We have a high annual salary that keeps growing and an almost non-existent unemployment rate4.

Can foreigners go to the dentist in the UK? ›

migrants' entitlements to NHS dental care and how to find an NHS dentist. dental practices should not ask migrants for proof of address or proof of immigration status when they apply to access NHS dental care. migrant patients should inform the dental practice if they need interpreting or translation services.

Which country has a shortage of dentists? ›

Dentist Demand in Norway

This country has a high Demand for dental work, which accounts for Dentists' high salaries. Dentists earn an average annual salary of $93,100.

Where does the US rank in dental health? ›

Which countries rank the highest in dental health? The top 5 countries for dental care are Denmark, Germany, Finland, Sweden and the UK. You may be surprised to learn that the U.S comes in at number 9 for dental care!

Where does America rank in dental hygiene? ›

United States: You might expect the United States to sit near the top of the list. Its score of 1.2 is excellent compared to those of other nations in the world, but other countries simply achieve better statistics when it comes to oral care. France: Has a DMFT score of 1.2, which is fairly good.

Where is the best place in the world for dental work? ›

Dentists in Turkey are known for their international-grade training, making them some of the most skilled practitioners in the world. There is a vast range of impressive orthodontic and cosmetic dentistry clinics to choose from.

How much does it cost to get a full mouth of dental implants? ›

Full Mouth Implants

The cost for this type of implant-supported dentures can vary from $7,000 to $90,000. The average cost for full mouth implants is about $34,000. A top or bottom set of dentures can cost about $3,500 to $30,000. Full mouth dental implants are strong and secure.

Why Medicare doesn't cover dental? ›

Simply put, for a long time, dental work wasn't considered important enough to be covered by Medicare due to a lack of information and resources. The U.S. Centers for Medicare & Medicaid Services was established in 1965, and since then, little to no changes have been made to offer dental coverage.

When did Medicare stop covering dental? ›

Subscribe to KHN's free Morning Briefing. Medicare has excluded dental (and vision and hearing) coverage since its inception in 1965. That exclusion was by design: The dental profession has long fought to keep itself separate from the traditional medical system.

Are crowns covered by Medicare? ›

Unfortunately, Original Medicare (Parts A and B) does not include coverage for dental services like dental exams, cleanings, fillings, crowns, bridges, plates or dentures.

What is a flex card for seniors? ›

Flex cards are like pre-paid debit cards that Medicare beneficiaries can use to purchase durable medical equipment and other qualifying medical expenses. These cards are not a Medicare benefit, but are available on some specific Medicare Advantage (MA) plans offered by private insurance companies.

Are dental implants covered by Medicare? ›

Medicare for dental implants often covers between 30% to 50% of oral surgery procedures for dental implant treatment if it's medically necessary. Medicare won't cover the dental implants procedure itself, but it will cover related services such as hospital costs.

Are dental implants worth it? ›

At a glance, dental implants might seem like a more expensive choice than alternatives. However, not only are they an affordable option but this procedure is ideal in most cases. Dental implants have an incredible success rate of 95%, and they can justify their cost through quality of life and future savings.

How to get free dental implants UK? ›

Can I get free dental implants on a low income? You may be eligible for free dental implants under the NHS if you are on benefits and there is a clinical need. It's important to note that you cannot get dental implants on the NHS for cosmetic purposes alone, regardless of income.

Does Denplan cover the cost of a crown? ›

These treatments include, but are not limited to; Fillings, crowns, dental implants, bridges, dentures, impressions, extractions, root canal treatment, periodontal treatment, orthodontic treatment and consultation fees (grades 4 – 5 on the IOTN scale), mouthguards for teeth grinding.

Does Denplan cover lab fees? ›

The Denplan product range includes plans for a variety of dental needs for you and your family. Below is a table explaining the benefits of our plans in more detail. Please note: none of the following plans cover laboratory fees (to build crowns etc.), prescriptions and referrals.

Are crowns included in Denplan? ›

Denplan Essentials does not cover:

Restorative dental treatments including fillings, crowns, bridges or dentures (at the discretion of your dentist) Laboratory fees and prescriptions.

What is the best health dental insurance? ›

Best Dental Insurance Plans With No Waiting Period of 2023
  • Best Overall: Humana.
  • Best Preventive Care: Denali Dental.
  • Best Basic Coverage: UnitedHealthcare.
  • Best Major Coverage: Spirit Dental.
  • Best for Orthodontics: Ameritas.
  • Best for Veterans: MetLife.
  • Best Affordable Coverage: Delta Dental.

Why is my Denplan so expensive? ›

Your monthly fees are set by your dental practice and ensure they maintain the high quality of care you receive. They take into account many factors, such as the increased cost of equipment, staff training, and building maintenance, among others.

Can I go to any dentist with Denplan? ›

Moving home or changing dental practice doesn't mean you have to leave Denplan. There are three simple steps to changing your dentist and ensuring that you keep all the benefits of your Denplan payment plan.

Does Denplan cover pre existing conditions? ›

There is no waiting period and you can start claiming for routine and restorative treatments from the start date of your scheme. We'll also cover pre-existing conditions too (with the exception of mouth cancer).

What is the best dental health? ›

Brush teeth thoroughly twice a day and floss daily between the teeth to remove dental plaque. Visit your dentist at least once a year, even if you have no natural teeth or have dentures. Do not use any tobacco products. If you smoke, quit.

How do you know if your dentist is good or not? ›

What Are Some Of The Signs Of A Good Dentist?
  • He/she cares about your comfort. ...
  • He/she asks questions and listens to you. ...
  • He/she is in good standing with the American Dental Association. ...
  • He/she respects your resources and your time. ...
  • He/she follows up. ...
  • He/she respects staff members. ...
  • Call us to learn more.

How much do implants cost? ›

First, every case is unique. In general, however, single dental implants cost $1,500 to $2,000 per implant. Not per procedure—but per implant. Some patients are only going to need a single implant, whereas others will need several because they're missing multiple teeth.

Does Medicare cover dental implants? ›

Does Medicare cover dental implants? No, Original Medicare doesn't provide coverage for dental implants. However, some Medicare Advantage plans do offer some coverage for dental implants, so be sure to review your specific policy before pursuing any procedures.


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