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There was a time when dental insurance cover was something that was taken out by people living in countries such as the United States – with the NHS available in the UK there was no need for this type of insurance.
However, over the past few years things have really changed in the world of dentistry, and it seems that more and more NHS dentists are turning to private practice, leaving more and more consumers in the UK without access to affordable dental treatment.
Around five million people visit the dentist each year according to the British Dental Health Foundation. One way around this problem for those that don’t want to compromise on their dental health is to take out some form of dental insurance, which is available at a number of levels according to your needs and your pocket.
Depending on how much dental treatment you need or how many visits you pay to the dentist each year for maintenance work such as check ups, cleaning, etc., this type of dental cover could save you a small fortune, particularly if you do not have easy access to an NHS dental practice.
The cheapest form of dental insurance cover comes in the way of a cash plan, which is a plan that offers cash back up to a certain limit on dental costs at both NHS and private dental practices. There are also different levels of more comprehensive insurance cover, and the higher the monthly premium the more you can claim for in terms of dental maintenance work and treatment.
One policy holder stated: 'I was keen to stay with the same dentist, but going private is expensive, especially with a large family. This way, most of our treatment is covered, which saves us having to find a new dentist several miles away.'
Tom Smith
10.04.07
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