6+ Best Private Dental Insurance in the UK for Everyone

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Aside from going for private dental insurance in the UK, know that a lot of details are involved with private insurers in the UK. We will show you 6 of the best private dental insurance in the UK. According to IBISWorld, the UK private dental insurance market was recently estimated to be around £921.8 million.

We are so sure you will get the best value you have been looking for from this article. We understand how important and sensitive dental insurance can be, so we have taken our time coupled with our experiences to get you the best in the UK.

Let’s delve into the Real Deal.

About Private Dental Insurance in the UK

Private dental insurance is an increasingly popular option for UK residents who want to supplement their NHS dental care or access more comprehensive coverage for their dental needs.

Private dental insurance plans offer you a range of benefits, such as:

  • Coverage for routine check-ups
  • Cleanings
  • Preventative care
  • More Extensive coverage for treatments like fillings, crowns, and orthodontic work.

We promise to cover all your questions on private dental insurance in the UK, Whether you’re considering private dental insurance for yourself or your family, or simply want to learn more about this type of coverage, we’ve got you covered.

Let’s dive in!

What’s the Difference Between NHS vs. Private Dental Care?

When it comes to dental care in the UK, you have two main options: NHS and Private care. The main difference between the two is that NHS care is subsidized by the government and generally has lower costs, while Private care is fully paid for by the patient and can offer more personalized, comprehensive treatment options.

While both options have their pros and cons, many people choose private dental care for the:

  • Greater flexibility
  • Choice of  dentist
  • Control of Coverage
  • Quality of care it provides
  • A wider range of treatments and procedures
  • Schedule appointments at your convenience

However, private dental insurance can be more expensive than NHS care, and not all treatments may be covered, so you must research the options and choose a plan that fits your needs and budget.

What Dental Treatments Are Covered by Private Insurance in the UK?

The dental treatments covered by private insurance in the UK can vary depending on the provider and plan you choose. However, most private dental insurance plans cover a range of routine and preventative treatments, such as:

  • Check-ups
  • Cleanings
  • X-rays, as well as more extensive treatments like
  • Fillings
  • Root canal
  • Crowns, and
  • Orthodontic work.

The exact coverage that will be offered to you will depend on the specific insurance plan you choose, as well as any exclusions or limitations that may apply.

Some plans may also offer additional benefits, such as discounts on Cosmetic Dental Insurance Coverage or access to emergency dental care.

Therefore when you are choosing a private dental insurance plan, it’s important to carefully review the coverage options and any associated costs so you can be sure that you’re getting the coverage you need at a price you can afford.

Just to be sure, you can ask your insurance provider for a detailed breakdown of the coverage offered and any limitations or exclusions that may apply.

How Much Does Private Dental Insurance Cost in the UK?

In the UK, the cost of private dental insurance usually depends on a variety of factors, including:

  • The level of coverage you require
  • Your age
  • Overall health, and
  • Any pre-existing conditions you may have.

Generally speaking, private dental insurance tends to be more expensive than NHS care, with monthly premiums ranging from £10 to £50 or more depending on the plan and coverage level.

You also need to note that some plans may require a waiting period before coverage kicks in, which could further impact the cost.

You can also compare plans from multiple providers to find the best value for your needs. Keep in mind that the cheapest plan may not always be the best option if it doesn’t offer the coverage you require.

What Should You Look For When Choosing a Private Dental Insurance Plan?

When choosing a private dental insurance plan in the UK, there are several factors to consider.

First and foremost, you’ll have to be sure that the plan offers the coverage you need for your dental health needs, whether that includes routine check-ups, cleanings, fillings, or more extensive treatments like orthodontics.

You also have to consider the cost of the plan, including any monthly premiums, deductibles, and copays. Remember to compare plans from multiple providers to find the best value for your budget.

Other factors to consider include:

  • The Provider’s reputation
  • Customer service track record, as well as
  • Any additional benefits or perks that may be offered. For example, some plans may include access to emergency dental care or discounted cosmetic procedures.

Ultimately, the best private dental insurance plan for you will depend on your unique needs and budget. 

What is the Difference Between Private Dental Insurance and Dental Cash Plans?

While private dental insurance typically covers a range of dental treatments, dental cash plans offer a fixed sum of money towards the cost of routine dental care.

With a dental cash plan, you pay a monthly or annual fee in exchange for a set amount of cover for treatments like check-ups, cleanings, and fillings.

However, unlike private dental insurance, dental cash plans do not typically cover more complex treatments like root canals or orthodontics.

The popular advantage of dental cash plans is that they can be more affordable than traditional insurance, and may be a good option for those who only require routine dental care. However, if you anticipate needing more complex treatments, private dental insurance may be a better choice

How Do You Make a Claim on Private Dental Insurance?

To successfully claim private dental insurance, you’ll typically need to follow these few basic steps:

  1. First, you’ll need to contact your insurance provider to inform them of the treatment you require and to confirm that it’s covered by your policy.
  2. Next, you’ll need to schedule your treatment with a participating dental provider and inform them that you’ll be claiming your insurance.
  3. After your treatment is complete, you’ll need to provide your dental provider with any necessary paperwork, such as receipts or invoices.
  4. Finally, you’ll need to submit your claim to your insurance provider, along with any supporting documentation.
  5. Once your claim is approved, your insurance provider will reimburse you for the covered portion of your treatment.

Can You Get Private Dental Insurance as a Self-Employed Individual?

Yes, self-employed individuals can typically purchase private dental insurance just like anyone else. However, it’s important to note that the cost of private dental insurance can vary widely depending on factors like your age, location, and the level of coverage you require.

If you’re self-employed, you may also want to consider other options for dental coverage, such as dental discount plans or paying for dental treatment out of pocket.

However, the best choice for you will depend on your individual dental needs and financial situation.

What Are The Benefits of Private Dental Insurance?

Some of the common benefits you will enjoy from your private dental insurance policy include:

  • Access to a network of participating dental providers
  • Coverage for routine and emergency dental care
  • Potential savings on the cost of dental treatments, and
  • Additional benefits or services, such as discounts on vision care or prescription medications

However, also keep in mind that some of these benefits can vary depending on the policy you choose.

Best 6 Private Dental Insurance in the UK

Below are the top 6 private dental insurance in the UK:

  • SimplyHealth
  • Denplan
  • Bupa Dental
  • AXA Health
  • Aviva
  • Cigna

#1. Simplyhealth

They have been in the business of providing quality dental health insurance since 1872. Over the years, Simplyhealth has been known for Healthy Teeth, Urgent Support, and a Fast Claim process.

Simplyhealth offers dental insurance plans with varying levels of coverage for routine care, emergency treatments, and major dental work.

SimplyHealth - Private Dental Insurance UK
SimplyHealth – Private Dental Insurance UK

Another beautiful thing about Simplyhealth is that their dental plans even come with standard benefits like:

  • No Excesses to Pay
  • Lifestyle Advice and Guidance
  • Amazing discounts and rewards
  • £5,000 mouth cancer cover (one-off payment) and many more.

They are worth checking out. Use the button below to learn more about them.


#2. Denplan

Denplan is another great option for getting Private dental insurance in the UK. They have been recognized over a few decades as the UK’s leading dental payment plan specialist.

It will interest you to know that they have about 2 million customers with over 6,600 member dentists and approximately 1.4 million patients across the UK. Interestingly, they also offer Dental Implant Insurance in the UK.

Our people here in the UK seem to love Denplan simply because they offer a variety of dental payment plans that will surely help you easily budget for your private dental care.

Denplan is proudly part of SimplyHealth. To learn more about them, kindly click the button below.


#3. Bupa Dental 

Ever since Bupa started in 1947, they have been passionate about helping people live longer, healthier, and happier. 

Bupa offers cosmetic dental insurance and also a smart private dental insurance plan called the “Bupa Smile plan,” which is a subscription-based plan for simplified dental health.

In this plan, you can budget for your routine private dental care with 12 bite-size monthly payments. They also made it in a way that you will have some level of connection and accountability with your dentist so that they can monitor and spot potential oral issues before they become big dental problems.

Bupa - Private Dental Insurance UK
Bupa – Private Dental Insurance UK

Getting this plan has been made so easy for you that you can simply get a breakdown of your monthly costs, which covers you for two check-ups, two hygiene appointments, and more with your phone at your convenience.

Feel free to learn more about Bupa Dental Insurance.


#4. AXA Health Dental Insurance

AXA Health is another amazing Private dental insurance you will find in the UK. They have been in the game since 1940. Wow! That’s over 80 years, and we discovered that they are even older than the UK NHS.

Just like they will always say, “We’re all about Feelgood Health,” implying that they do their best to find simple, enjoyable ways to increase your oral health.

Their Private dental insurance option will cover you for:

  • Most routine dental examinations like dental X-rays, check-ups, and hygiene treatments
  • Dental remedial or restorative treatments like crowns, fillings, and dentures, including unexpected dental cover for mouth cancer.
  • Worldwide dental accidents and emergencies (Up to £2,500 following a dental accident treatment for up to four incidents per person per policy year).

It’s very important you know your budget and needs before you approach them. Feel free to learn more about AXA Health.


#5. Aviva

Aviva Dental Care is one of the oldest healthcare firms in the UK. Statistics show that they have been in business for over three centuries, as seen on their site.

It is also interesting to know that over 15.5 million people in the UK have chosen Aviva to protect them over the years.

The level of dental insurance coverage you get depends on the options you choose when you apply. Their core cover includes surgery on teeth when it is carried out in a hospital.

From our experience with Aviva, you have the option to enhance your basic cover for an additional cost with their dental and optical add-on, which covers you for routine dental treatment, accidental dental injury, and optical benefits.

Use the link below to learn more about Aviva.


#6. Cigna

Cigna is one of the few private dental insurance providers in the UK that offers a full-cover dental insurance plan.

Would you love to know about Dental Indemnity Insurance in the UK?

Full Cover is a unique feature available to Cigna’s DentaCare dental insurance plan that covers the full cost of treatment.

One of the things that makes Full Cover different is that even your employees can benefit from full refunds on the cost of treatments covered under their dental insurance plan, with no shortfall.

As we mentioned when we were writing about Private Dental Insurance in Ontario, it will interest you to know that almost a quarter of people in the UK do not visit a dentist regularly due to affordability issues.

The good news is that Cigna’s Full Cover option helps make dental treatment more affordable for UK residents, as they offer full refunds for covered treatment when a Full Cover dentist is used.

Use the link below to learn more about Cigna Dental Insurance.


Frequently Asked Questions

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Important Recommendation


At this point, all we can say is Take massive action. All you need regarding this subject is before you, take advantage of these opportunities.

See you some other time.

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