The Best Dental Insurance Companies in the UK and How to Join

Good dental care is essential for maintaining overall health, but it can be costly without proper insurance. In the UK, dental insurance can help cover these expenses, offering peace of mind and financial protection. This article explores some of the best dental insurance companies in the UK and guides how to join them.

1. Bupa Dental Insurance

Overview:

Bupa is one of the most renowned health insurance providers in the UK, and their dental insurance plans are no exception. They offer a range of dental plans designed to suit different needs and budgets.

Plans and Coverage: Bupa’s dental insurance plans typically cover routine check-ups, preventive treatments, and emergency dental work. Their plans are divided into three main types:

Essential: Covers 100% of routine check-ups and 80% of dental treatments.

Comprehensive: Includes everything in the Essential plan plus more extensive treatments like crowns and dentures.

Total: Offers the most extensive coverage, including orthodontics and cosmetic treatments.

How to Join:
Joining Bupa is straightforward. You can sign up online through their website https://www.bupa.com/, over the phone, or by visiting a Bupa center. They require basic personal information and health details to provide a quote. Once you select a plan, you can complete the enrollment process by setting up a payment method.

2. Simplyhealth

Overview:
Simplyhealth is another major player in the UK health insurance market, providing comprehensive dental coverage through flexible plans. They focus on making dental care affordable and accessible.

Plans and Coverage: Simplyhealth offers several dental plans, including:

Simply Dental Plan: Covers routine dental care, and emergency treatments, and provides a cash benefit for major dental work.

Simply Dental Plus: Offers higher limits for treatments and includes coverage for accidental dental injuries.

How to Join:
You can join Simplyhealth online by filling out an application form on their website https://www.simplyhealth.co.uk/. The process involves providing personal information and selecting a suitable plan. Payments can be made monthly or annually, depending on your preference.

3. Denplan by Simplyhealth Professionals

Overview:

Denplan, part of Simplyhealth, is a specialized dental insurance provider with a focus on preventive care. They offer various plans tailored to different dental needs.

Plans and Coverage: Denplan’s offerings include:

Denplan Essential: Covers routine check-ups, X-rays, and hygiene treatments.

Denplan Care: Provides comprehensive cover, including preventive care and restorative treatments.

Denplan for Children: Focuses on children’s oral health, including routine and preventive treatment.

How to Join:
To join Denplan, you usually need to see a Denplan dentist for an initial evaluation. The dentist will help you choose the best plan based on your dental health needs. Enrollment can be completed at the dentist’s office or through the Denplan website https://www.denplan.co.uk/.

4. Cigna Dental Insurance

Overview:

Cigna is an international insurance provider with a strong presence in the UK. They offer dental insurance plans that cater to both individuals and families.

Plans and Coverage: Cigna’s dental plans include:

Dental Preventive: Includes routine check-ups, cleanings, and X-rays.

Dental treatment: This includes both preventive treatment and coverage for fillings and extractions.

Dental Plus: Offers comprehensive coverage, including major restorative work like crowns and bridges.

How to Join:
Joining Cigna involves filling out an online application or contacting their customer service for assistance. They offer an easy-to-navigate website https://www.cigna.com/ where you can compare plans, get quotes, and complete the enrollment process.

5. AXA PPP Healthcare

Overview:

AXA PPP Healthcare provides a range of dental insurance plans aimed at individuals, families, and businesses. Their plans are known for flexibility and extensive coverage.

Plans and Coverage: AXA PPP offers plans such as:

Dental Cover 20: Covers routine treatments and accidental damage.

Dental Cover 50: Includes routine treatments, accidental damage, and more extensive dental work.

Dental Cover 80: Provides the most comprehensive coverage, including orthodontics and cosmetic treatments.

How to Join:
You can join AXA PPP Healthcare by visiting their website https://www.axahealth.co.uk/, where you can compare different plans, get quotes, and fill out an application. Their customer service team is also available to assist with any queries and help you choose the best plan for your needs.

6. WPA Dental Insurance

Overview:

WPA is a non-profit health insurance company that provides customized dentistry policies. They are well-known for providing excellent customer service and offering various plan alternatives.

Plans and Coverage: WPA offers several dental insurance plans:

Dental Elite: includes routine check-ups, treatments, and emergency dental care.

Dental Premier: Provides more extensive coverage, including specialist treatments and orthodontics.

How to Join:
Joining WPA is easy through their online portal https://www.wpa.org.uk/. You will need to provide personal and health information to get a quote. Once you choose a plan, you can complete the enrollment process online or over the phone.

Tips for Choosing the Right Dental Insurance

The following criteria should be considered while selecting a dental insurance plan.

Coverage Needs:
Assess the type of dental treatments you are likely to need and choose a plan that covers those services.

Budget:
Determine how much you can afford to pay in premiums and choose a plan that fits within your budget.

Provider Network:
Check if your preferred dentists are within the insurance provider’s network to maximize your benefits.

Exclusions and Limits:
Be aware of any exclusions, waiting periods, and annual limits that may apply to the plan.

In conclusion, Having dental insurance can significantly reduce the financial burden of maintaining good oral health. The UK offers several reputable dental insurance providers, each with unique plans to suit different needs. By understanding the options available and how to join these insurance schemes, you can make an informed decision that ensures you and your family receive the necessary dental care without breaking the bank.