What´s not covered in my dental insurance policy?
As with all insurance policies, there are certain things that are not covered. Company paid Dental Cover specifically excludes the following list which is a summary only.
For a full list of exclusions please see ´What is not covered´ in A Guide to Your Policy.
- Any treatment undertaken or completed prior to joining the plan, or within the qualifying period.
- Any conditions/injuries you had when you took out the plan (pre-existing conditions). This does not apply to check-ups, hygienist, general and restorative treatment.
- Oral cancers diagnosed or for which symptoms or signs develop within the first 90 days of cover (90 day deferment period).
- Oral cancer if you have been chewing tobacco and/or have been advised by your doctor to reduce your alcohol intake.
- Cosmetic and aesthetic treatment, implants or treatment that is not clinically necessary.
- Chronic conditions (which are long-term illnesses that lead to long-term monitoring or management) and chronic periodontal disease.
- Restorative treatment associated with material dental neglect under the Dental Injury or Oral Cancer benefits.
- Any claims submitted more than 6 months after the treatment took place.
Where do I find full details of my dental cover?
Does the plan cover cosmetic dental treatment?
No - cosmetic & orthodontic treatment are not covered by the scheme.
What dentists are covered by the dental plan?
Dentists registered with the General Dental Council. The dentist must not be related to you/the patient or recommended by a dentist who is a member of your/the patient´s family. Your dentist will be able to tell you if they are registered or you can check the General Dental Council register via their website http://www.gdc-uk.net/searchregister
How do I claim on my dental insurance policy?
Once you have had dental treatment you should pay the dentist in full. Visit www.wpa.org.uk/claim to download a pre-populated dental insurance claim form. Complete this claim form and return by post attaching the original receipt within 6 months of your treatment. Reimbursement of eligible dental plan claims can be made by cheque or direct credit to your bank account.
Can I have my amalgam fillings changed to white if there is nothing wrong with them?
No because Dental Cover does not cover cosmetic treatment and only provides cover for treatment that is clinically necessary.
Are there any qualifying periods?
Yes. For general dental there is a 3 month qualifying period and for dental emergencies there is a 14 day qualifying period.