Dental Insurance

A Look at Dental Insurance

Dental insurance is just as critical as standard health insurance. In fact, there are times when even the tiniest of oral issues can quickly develop into a very real problem. Therefore, obtaining a policy is essential for peace of mind as well as to address any unforeseen circumstances. It is worth noting that there are many standard health insurance policies which automatically include dental coverage. However, these very same plans could be very basic. There are other instances when a complete package must be purchased independently. To take much of the guesswork out of this decidedly challenging equation, let us take a quick look at the different levels of health insurance as well as some of the most relevant providers in the United Kingdom.

Dental Insurance: The Basics

Like many insurance policies, dental insurance can be broken down into a number of discrete categories. These are (generally):

  • Maintenance plans
  • Capitation Plans
  • Pay-as-you-go options

Maintenance plans are rather straightforward. They are more aligned with preventative care while they can still address emergencies and any accidents that may occur. Two examinations and x-ray visits are normally offered every year. Cavities, root canals and extractions are also covered within these schemes. However, the cost of a maintenance plan can vary between different providers.

Capitation plans are the second category. These are associated with an unlimited number of treatments- X-rays, fillings, crowns and bridges can often be included within this option. As this option tends to be more comprehensive, the monthly rates are likely to be higher than the aforementioned service. Still, this is a good idea if you have ongoing issues with your teeth.

Finally, pay-as-you-go plans are the third option. For a monthly fee, you will be able to obtain either private or NHS treatment. This could be a great option if you are looking for a bargain, but keep in mind that coverage levels vary between providers and if you need to undergo a major treatment, the costs can quickly mount.

The Top Dental Insurance Providers

As should be expected, there are countless insurance providers throughout the United Kingdom. Each of these firms will offer equally disparate levels of service. Let us take a look at the top providers and some of the amenities that they offer.

April UK is considered to be one of the best in the business. It is available throughout the United Kingdom and with extremely low rates, this firm could be the perfect option for those on a limited budget. There are numerous coverage levels and up to 150 pounds in cash-back offers are offered.

The second firm to consider is Aviva Health Insurance. Treatments, dental diagnostics, x-rays and emergency services are included within their standard plan. As Aviva is one of the most well-known firms, they provide highly competitive rates and there are numerous coverage levels available.

PPP Healthcare is a third option. One advantage of their programmes is that they can be easily upgraded at any time with not extra fees. Some packages provide solely emergency treatments while other are able to offer more comprehensive coverage levels. Cash-back offers of up to 200 pounds are available for those who register via sites such as Money.co.uk.

Once again, the top three providers are currently considered to be:

  • April UK
  • Aviva Health Insurance
  • PPP Healthcare

It is still a good idea to take a look at each of these firms on more detail, as the services that are offered can vary widely. Many consumers will likewise take advantage of the numerous third-party websites which are able to compare and contrast the benefits and drawbacks of various organisations. As our teeth cannot be replaced, it is best to care for them through the help of a qualified dental insurance provider. The benefits will far exceed the relatively small financial outlay that is required.