Chase Templeton looks at the benefits of dental insurance with a focus on AXA PPP healthcare's dental insurance product.
Axa PPP healthcare Dental Insurance.
AXA PPP healthcare Dental Insurance is designed to cover the cost of preventative, remedial and restorative dental treatments. Depending on the cover chosen, the policy will allow you to claim back the cost of either NHS or private dental health care.
As there are no age limits or medical requirements, AXA PPP healthcare Dental Insurance plans are suitable for pretty much everyone. Remember though that certain groups of people are exempt from NHS dental charges and if you are among them then this may be an important consideration not just with this but any dental insurance policy.
As with all insurance policies, exceptions and limits apply. For example, cover will not apply to treatment related to mouth cancer that was diagnosed before you took out your policy (ie. a pre-existing medical condition). Similarly if it has been previously identified that you need any dental x-rays, periodontal, remedial or restorative treatment, then costs for these treatments will not be covered.
The benefits available will depend upon the cover you chose from the two options offered by Axa PPP healthcare dental insurance.
The Core policy option is designed to cover NHS treatments only. These include routine, preventative, restorative and remedial treatments. That means that, once you’ve completed a month qualifying period, you can claim back for things like routine examinations, dental x-rays, fillings, crowns and bridges.
In contrast AXA PPP healthcare’s Premium Dental Insurance will cover routine and preventative treatments whether provided by an NHS or private dentist, with a limit of £125 per person, per plan annually. In addition it will meet 50% of the cost of private remedial or restorative dental treatments. Whilst the qualifying period is longer than for the Core dental insurance – at three months – the levels of cover are higher. This means the policy will pay out up to £1,000 per person, per plan annually.
A number of benefits are common to both the Core or Premium policies. These include up to £2,500 in worldwide accidental dental insurance and up to £60 per night, for up to 30 nights, as a hospital cash benefit should you require in-patient treatment following a dental accident. Both policies will also pay up to £12,000 towards the cost of treatment for mouth cancer up to 18 months following a diagnosis. If you’re a smoker, the good news is that you’re not excluded from that cover.
Finally, as an AXA PPP healthcare member you will be able to benefit from special offers on things like gym memberships, leisure breaks, optical care and health assessments. All members can also access a 24-hour health information telephone service, staffed by healthcare professionals.
Health cash plans may be considered as an alternative to dental insurance. Typically cheaper than private medical insurance (but offering less cover) they are designed simply to cover your everyday healthcare needs. As well as dental treatments (such as check-ups, fillings and hygienist appointments) they can also cover things like eye tests, physiotherapy and NHS prescription costs.
If you want cover to protect against higher and unexpected treatments like crowns and bridges, then you should consider dental insurance.
Another option to taking dental insurance or a health cash plan is to “self pay”. This means you pay for NHS or private treatment as and when you need it. If you’re considering this it’s worth bearing in mind that you may need put cash by to cover restorative or remedial treatments which are often costly. Fitting of a metal brace on the NHS will set you back over £200 with the private cost hitting nearly £1,250. A private dentist might charge £100+ for a single large white filling and the best part of £400 for root canal work.
The need for treatment is often unexpected and the costs can quickly add up. If that’s a concern then you may think dental insurance is the better option.