Best Dental Insurance UK for 2023

Dental Insurance UK

Many people are hesitant to purchase dental insurance UK because they believe they will never use it. On the other hand, dental problems can strike any family member at any time due to poor oral hygiene, illness, or even an accident.

Keep in mind that most health insurance plans do not cover dental services. As a result, given the high cost of dental care, purchasing dental insurance in the UK is a wise investment.

What is UK dental insurance?

Dental insurance is a policy that covers your dental treatment. In the United Kingdom, this can be done through the NHS or privately. You pay for the dental treatment and then seek reimbursement from your insurance company.

You may be wondering what the point of dental insurance is when we have the NHS.

A common misconception is that you must pay for NHS dental treatment unless you are under the age of 18, in full-time education, or pregnant. For example, the NHS charges £22.70 for a simple dental examination within Band 1.

Furthermore, the entire purpose of dental insurance is to cover NHS treatment or a portion of private treatment costs.

Why get dental insurance in the UK

  •  Dental insurance is useful in times of emergencies or accidents – most insurance policies cover emergencies and accidents. This will almost certainly save you a lot of money.
  • Payment flexibility – depending on your needs, payments can be made monthly or annually
  • Prices can be negotiated based on the type of coverage and whether the policy is for a single person or a group, such as a family.
  • Dental insurers help you with the cost – NHS treatments are usually claimed back in full or almost fully, and private treatments are partly paid for by your insurance company  
  • Dental insurance Uk provides more options for treatments  

Should I take a dental insurance cover?

If your teeth are in good condition and you only visit the dentist once a year, you probably don’t need to pay for dental insurance.

You may still want to, however, if the option of emergency care gives you peace of mind.

However, if your dental health is poor and you require regular treatment, insurance may be a cost-effective option.

Similarly, if you can’t find an NHS dentist or prefer to see a private dentist, getting dental insurance makes financial sense.

Be aware that, while NHS treatment is usually less expensive than going private, you must still pay for it.

How much does dental insurance cost in the UK?

Dental insurance UK premiums can range from £70 to £300 per year, depending on the insurer and policy.

Many provide varying levels of coverage, ranging from basic routine care to extensive treatment plans. So you can decide how much you want to spend and how much coverage you want.

A less expensive policy, for example, may pay out half of the treatment you receive and/or have a lower benefit limit per condition per year. For example, up to £500 in one year for root canal work.

Even if you have coverage, you will have to pay for some treatment, and the amount you can claim back for each treatment plan is limited.

For example, you could be paid a percentage – ranging from 50 to 70% – of the fee charged by your dentist for corrective dental treatment. However, some policies reimburse the full cost of NHS treatment.

List of the best dental insurance plan in the UK

  • Bupa Dental Insurance
  • Simplyhealth
  • Denplan
  • WPA insurance
  • Dencover
  • Boots dental plans

Best Dental Insurance UK Plans

Here are the best dental Insurance UK Plans:

Bupa Dental Insurance

Bupa dental provide both NHS and private dental care, so whether you’re looking for a dentist for treatment or want to take out dental insurance cover, they have a range of options to suit your dental needs and your budget.

Their customers have access to easier claiming, exclusive discounts at our Bupa Dental Care practices and a specialist support line to help you book an appointment.


At Simplyhealth, they know that prevention is better than cure. The company want to help you stay healthy, now and in the future.

Their health plans make sure you have access to and can afford to stay healthy through dental treatments, visits to the optician, complementary therapies and much more.


Denplan has provided dentists with the ideal way to help patients afford high-quality dental care for more than three decades. The provides a number of dental payment plans to assist patients in budgeting for private dental care.

The company serves over 2,700 companies with employee benefit schemes like the UK’s leading dental payment plan specialist, with over 6,600 member dentists and approximately 1.4 million patients across the country.

Denplan company was founded in 1986 by two dentists to assist both patients and practise team members with private dental care, offering a variety of dental payment plans to suit every oral health need and budget.

WPA insurance

WPA insurance allows us to get the type of healthcare we want for ourselves and our families. Since 1901, the company has been assisting its members as a non-profit organization. That’s been going on for a while, and because they’re good at it, that’s all they do. Simply health insurance. There are no distractions.

WPA offers groundbreaking personal and business health insurance policies that have truly revolutionized healthcare in the UK by partnering with like-minded individuals and companies. From funding cancer drugs not readily available on the NHS, the first of its kind, to being recognized by the World Health Organization as a leader in the development of new policies that reduce costs for our members, we have done it all.


This dental insurance can help protect your piggy bank, and your teeth, against rising dental costs.

Boots dental plans

Boot dental plans are here to help you care for your teeth. 

As standard, all their dental insurance plans include:

  • Cover for routine treatments (eg check-ups, fillings, dentures)
  • A contribution towards the cost of NHS treatments*
  • Hospital cash benefit
  • Emergency dental treatment

The contribution will cover treatment costs in England and Wales. If you receive treatment in Scotland or Northern Ireland, you will be reimbursed up to the value of the treatment in England and Wales.

FAQs about Dental insurance UK

Do i need dental insurance uk?

It makes sense to get your dental treatment covered by the NHS for free. However, if you are unable or unwilling to use an NHS dentist, or if you require extensive dental work, dental insurance may be a good idea.

Can you get dental insurance separately?

Yes. Dental coverage is available in the Health Insurance Marketplace in two forms: as part of a health plan or as a separate, stand-alone dental plan.

How much is dental insurance uk?

Dental insurance UK premiums can range from £70 to £300 per year, depending on the insurer and policy.

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There are numerous dental insurance companies to choose from, each with its own set of advantages and disadvantages. It’s critical to think about what you need from your dental insurance and how much money you’re willing to spend each month.

Deductibles, wait times, network size, and co-pays must all be considered. Carriers’ various plans may differ by state, so get multiple quotes before deciding where to sign up.

This list can help you find affordable options with flexible individual and family plans.

We hope you found this post on dental insurance UK to be extremely beneficial. Please leave your feedback.


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