Finance >> Health Insurance >> Dental Insurance

Dental Insurance

Dental care is important from health and cosmetic appearance. Visiting a dentist is getting costlier day by day; so Dental Insurance can be a wise decision. Whilst going for a dental insurance policy some points must be kept in mind as there is no standard Dental Insurance plan available.

Different insurer offer different plans; that may vary and the coverings offered by one may differ a lot from the other. The difference is due to choice of covering offered by the insurers. The basic of dental insurance plan is similar to those of Health Insurance; so the more you pay the wider cover you will get. The plans can be obtained on monthly or annual payment basis either for family or individual.

The insurer offers the Dental Insurance Policies after insuring that you have good teeth to start with and no work that needs doing. At times they can ask for declaration that you regularly visit a dentist. Alternatively they may ask your dentist to complete a form to ensure that there is no outstanding work to do and that you do visit regularly.

The Dental Insurance plan offers preventive, minor & major dental treatments coasts. Normally the insurer offers covers for Routine Treatment, Dental Emergencies, Dental Injuries and Serious Dental Problems. Claims can be made for treatment whether that is taken from NHS or privately. It is up to you; which dentist you are selecting for treatment. The premiums are fixed irrespective of your age depending on which scheme you choose.

The plans don’t offer cover for cosmetic treatment, orthodontic treatment dental implants and sports injury unless mouth guard is worn. Before going for Dental Insurance Plan you should get multiple quotations from different insurers and compare them on the basis of premium and areas of cover they are offering.