Dental cover - a low-cost employee benefit with a high perceived value.
• Two recent developments have boosted dental insurance. First, most group private medical insurance schemes have restricted their dental cover to oral surgery. Second, huge numbers of dentists have left the National Health Service.
• Even if you do find a decent NHS dentist, your wallet will still feel it (prices rose again in April). So anyone who goes for regular check-ups will get a definite return from membership of a group scheme. Other employee benefits only tend to pay out if you die, retire, or become seriously ill.
Orthodontic and cosmetic treatments are normally excluded but most clinically necessary treatment is covered - up to defined limits. • Most schemes offer different cover levels. A basic plan may only cover NHS treatment but other options cover extensive private treatment. • Some schemes offer employees the chance to pay extra for cover for partners and children. • Dencover Plus helps you manage the cost of looking after your teeth • We cover both NHS and private treatment • You can continue to use your own dentist • You are covered immediately for a wide range of regular care, treatments and the unexpected • There's a simple and quick claims process
Benefits at a glance:
Each person is covered for the following benefits:
* Section 1 and 3 - Dencover Plus will contribute 100% of the cost of your dentists bill up to the amounts shown. Section 2 - 75% * Treatments resulting from a pre-existing condition are not covered * Problems that are identified at your first examination (only if you have not been examined by a dentist in the previous 12 months) are not covered. * Loss or damage to dentures, unless damaged whilst worn, is not covered, neither is repair or replacement of existing dentures within 12 months of the start of your policy. * Dencover Plus policy wording contains full details of all benefits, terms and conditions and exclusions * For policyholders over 60 the amount of cover is £6000
NHS charges with effect from 1st April 2007:
Dencover Plus is a simple, affordable way to insure against the rising cost of visiting the dentist, whether you choose private or NHS treatment.
Dencover Plus provides you with significant contributions towards the cost of a wide range of regular care, treatments and the unexpected.
The policy covers dental check-ups and hygienist visits and also include generous allowances for fillings, bridges, crowns, root canal work and other treatments as well as Worldwide cover for accidental dental injury and for treatment of oral cancer.
Dencover Plus allows you to choose your most convenient dental practice and access to over 28,000 dentists in 11,000 practices throughout the UK.
Dencover Plus is managed by Compass Underwriting Limited, one of the UK's largest specialist insurers.
GENERAL EXCLUSIONS • Pre-existing conditions • Treatment needs that you were aware of before commencement of this cover • Cosmetic treatment • Any injuries sustained while playing sports without wearing a mouth guard • Prescription charges • Self-inflicted injuries • Reimbursement of travel expenses or telephone calls • Oral cancer which you had when applying for cover or had sought treatment for in the 12 months before taking cover. Even if not diagnosed.
Members of the British Insurance Brokers Association (BIBA) who promote professional broking in the UK. Click here to visit the BIBA website Registered Office: 55 Princes Street, Yeovil, BA20 1EE Company Registration Number: 3995407
Essential Health is an independent health
insurance specialist broker based in the UK.
We deal with all aspects of Private Health Insurance including Private Medical
Insurance, Income Protection and other forms of Financial Protection as well as
Expat Health Insurance. So if you are looking for Affordable Health Insurance
for your company or Family Health Cover and would value some assistance, please
contact us.
Equally, if you are looking for Affordable Long-term Medical Insurance or Income
Replacement to protect your longterm financial well being we are confident that
we can help. Our Friendly staff are waiting to see how we can help.
