Providental :
Affordable Dental Cash Plan
A Cash Plan that supplements your dental treatment costs. Two levels of cover and the choice of NHS or private treatment puts you in control of choosing the right dental plan for your needs.
Why buy a dental Cash Plan?
A visit to the dentist can be painful enough. With dental bills becoming ever more expensive, it's easy to see why it pays to have protection for both routine and preventative dental care.
Providental includes cover for general dental treatment, dental emergencies, such as acute pain or swelling and dental injuries where the injury to the teeth has been caused by an external blow to the teeth, face or jaw. In addition, cover is provided for restorative dental treatment as a result of oral cancer and lump sum payments for stays in an NHS hospital for a dental injury or restorative treatment following oral cancer.
You can manage your membership on the go, including making a claim, with the WPA Health app (available on the App Store and Google Play) or through My WPA - our secure online portal.
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How does Providental work?
Our Providental Cash Plan offers two levels of cover. The benefits across each level are the same, however the benefit amounts increase with each level.
Using the Cash Plan couldn't be easier
In most instances, authorisation of a claim is quick and easy - simply use the WPA Health app, or visit my.wpa.org.uk.
Receive treatment
You receive treatment and pay your treatment provider directly.
Submit your claim
Start a claim via the WPA Health app or online through My WPA.
Payment
We'll reimburse the eligible costs quickly into your bank account.
Qualifying periods apply to some benefits, meaning you will not be able to claim immediately. Some benefits require pre-authorisation before undergoing treatment. Specifically these are: Dental Injuries and Restorative Treatment as a direct result of Oral Cancer.
Get a Providental Cash Plan quote in minutes and see how much you would pay
Get a quoteThe benefits
All benefit limits shown are per person per Cash Plan year, unless otherwise indicated. Qualifying and deferment periods apply to some benefits, which means that you will not be able to claim straight away.
Cash benefits
Level 1 | Level 2 | |
|---|---|---|
| NHS Only | NHS or Private | |
| General Dental Treatment 30 day qualifying period. | 100% of NHS costs | 75% of costs up to £250 |
| NHS or Private | NHS or Private | |
| Dental Emergencies UK or abroad (£250 per episode). 14 day qualifying period. | 75% of costs up to £500 max 2 episodes | 75% of costs up to £1,000 max 4 episodes |
| Dental Injuries Includes £250 emergency treatment abroad benefit. 14 day deferment period. | £10,000 | £20,000 |
| Restorative Treatment As a direct result of Oral Cancer. 14 day deferment period. | £10,000 | £10,000 |
| NHS Hospital Cash Benefit £200 per day/night. | £2,000 | £2,000 |
Dental Injuries and Restorative Treatment as a direct result of Oral Cancer benefits will only be reimbursed to the maximum amounts listed in our Dental Schedule.
What's not covered
As with all Cash Plans there are certain things that are not covered. For a full list of what isn't covered, please refer to the 'A Guide to Your Cash Plan', available as part of our quote process. Key exclusions include:
Any claims submitted more than six months after the treatment took place.- Dental consumables and appliances such as mouth guards.
- Any treatment for wisdom teeth unless performed in general dental surgery (not hospital).
- Any treatment undertaken or completed prior to joining the Cash Plan, or within a qualifying or deferment period.
- Any condition(s)/injury you had when you took out the Cash Plan (pre-existing conditions). This does not apply to General Dental Treatment.
- Treatment as a result of any sport or activity which is physically hazardous and requires a disclaimer prior to participation.
What is a qualifying period?
This is a period during which your Cash Plan is in force but no benefit is payable. Following the expiry of a qualifying period you are covered for the eligible treatment but not if that treatment has taken place during the qualifying period.
What is a deferment period?
This is a period during which your Cash Plan is in force but no benefit is payable. Following the expiry of a deferment period, you are covered for the eligible treatment of any symptom or condition, but not if the symptom or condition arose, whether diagnosed or not, within the deferment period.
Dental injuries which occur, or restorative treatment relating to any oral cancer diagnosed, or for which symptoms or signs develop, within the first 14 days of your Cash Plan starting will not be covered (14 day deferment period).
Making the most of your membership
We've teamed-up with a select range of organisations to provide you with enhanced health, wellbeing and lifestyle special offers which are in addition to your Cash Plan benefits:
You will be able to access all the offers within the WPA Health app or through My WPA once you have joined.
Full details, including any terms and conditions, are provided upon joining.
Advice from your local WPA Healthcare Practice
Finding the right healthcare solution for your needs can be confusing, that's why we created the WPA Healthcare Practice, a wholly owned subsidiary of WPA, authorised and regulated by the Financial Conduct Authority. This means we have Healthcare Partners across the UK that can advise you on WPA's products and services and provide access to the sort of healthcare that we want for ourselves and our families.
All Healthcare Partners hold, or are studying towards, the Chartered Insurance Institute (CII) Certificate in Insurance and are fully trained in all of WPA's products and services. So you can be confident you are working with qualified and professional advisors. Find your local Healthcare Partner to help you at every step of the journey.
Frequently asked questions
Here's a selection of questions and answers that we've already helped our customers with.
For Level 1 cover, the dentist needs to practise in the NHS, for Level 2 cover, your dentist can be either practise privately or in the NHS. All dentists will need to be registered with the General Dental Council. Please be aware that the treating dentist or specialist must not be related to you, or the patient. They also cannot be recommended by a dentist or specialist who is a member of your, or the patient's, family.
For routine dental treatment and emergencies:
Once you've received dental treatment, please pay your dentist's bill in full. Then make a claim within six months of the treatment date. To make a claim, sign in to your secure online account and follow the on-screen instructions. We'll pay all eligible claims directly into your bank account and send you confirmation by SMS text.
For dental injuries and restorative treatment as a direct result of oral cancer:
Dental injuries - if you receive an external blow to the face, teeth or jaw, you must have an emergency appointment within 72 hours of the injury and let us know within this time limit as well.
Restorative treatment as a result of oral cancer - if you are diagnosed with oral cancer, please let us know as we will need to pre-authorise your restorative dental treatment plan.
The Providental cash plan has a maximum joining age of 65, with renewal terms available thereafter.
No. Only clinical, not cosmetic, treatments are covered.
We do not cover cosmetic treatment, except when needed as a direct result of an accident or injury as part of a dental injury claim or if necessary as restorative treatment as a result of oral cancer.
Anyone to be included under the plan must have visited a UK dentist for treatment or a check-up within the last 18 months.
Get a quote online
Interested in health insurance? Find out how much you would pay in minutes with our quick and simple online quote.
Find your local adviser
We have fully trained Healthcare Partners across the UK that can advise you on WPA's products and services.