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Bupa Health Insurance Dental Cover

Bupa is the only provider that includes some dental cover as standard with it's health insurance policies as well as an optional add-on.

Benefit name
Bupa Dental Allowance (covered as standard)

Whats Covered?

• Bupa covers one dental appointment per policy year at a participating Bupa Dental Care practice. This can be for a new patient exam, routine check-up, or emergency appointment.
• £300 Annual Benefit Allowance which covers them for restorative dental treatment deemed clinically necessary after a dental appointment at a Bupa Dental Care practice.
• The dental allowance has no excess, and it does not affect any no claims discount.

Bupa Dental Allowance does not cover

• Cosmetic treatments, preventative hygienist appointments, prescription charges, dental injuries from contact sports, and specialist consultations are not covered. Treatment must occur at a Bupa Dental Care practice.

Whats the Bupa add-on called?
Bupa Dental Cover 20

What's Covered?

• Preventative treatment up to £150 per person annually.
• 75% of restorative treatment such as fillings, crowns, bridges, capped at £700 per person per year.
• Covers £600 emergency dental treatment annually, with a limit of £200 per emergency.
• £5000 for dental injuries resulting from external impact, per person annually.
• Full cover for oral cancer diagnosis and treatment. Requires referral by GP or dental professional and must be carried out by a Bupa recognised practitioner.

Bupa Dental Cover 20 does not cover:

• Cosmetic treatments, unnecessary restorative work, pre-existing conditions, implants, sealants, mouthguards, orthodontics, consumables, and prescription charges.
• Injuries from contact sports, mouth jewellery, and self-inflicted injuries are also excluded.

Vitality Health Dental Add-on

What’s the add-on called?
Optical, Dental, and Hearing Cover.

What's covered?

Dental

• Covers 100% of costs up to £100 per plan year for routine dental and hygiene appointments.
• Covers 80% up to limit of £400 for dental treatments such as fillings, crowns, bridgework, implants, root treatment, extractions, dentures and orthodontic treatment.
• Covers 100% up to £2,500 per claim for emergency care. Max two claims per year.

Optical

• Covers up to £500 per plan year at Vision Express and 80% up to max £300 with other providers, covering prescription glasses or contact lenses for new prescriptions.

Hearing

• Covers 80% reimbursement up to max £300 per plan year of costs associated with hearing tests and prescription hearing aids.

Optical Limitations:

• Reimbursement varies by provider, and prescription benefits are for new prescriptions only.