Denplan - employee dental plans e.g. DenplanEssential Plus, no initial assessment req

sugob

My [largeish] employer is offering several Denplan options which seem to work in that you go to [& pay] any dentist [including private] and then later claim back various costs, all without having an initial dental assessment. The cover is immediate and has 'No exclusion for per-existing conditions (except mouth cancer)'. I'm thinking of the £13.75/month [£165 annual - £303 if include partner] 'Denplan Essential Plus' which has benefits including
Routine examinations (NHS band 1) £50/year
Hygiene treatments (NHS band 1) £60/year
Dental X-Rays (NHS band 1) £40/year
Restorative treatments (NHS band 2 & 3) 80% of cost up to £1000/year
Various worldwide coverage for Dental Injury/Emergency

As the Restorative treatments is "Including, but not limited to, fillings, crowns, bridges, dentures and specialist treatment" & having recently paid about a grand [west London] for root canal/crown work [with the dentist saying another MAY need done sometime relatively soon ], it seems like a reasonable deal to takeout [I will probably use the routine/hygiene treatments anyway]

Am I missing something about it? Anyone any experiences with exclusions etc that may be of interest - most comments [on their 'normal' consumer products] on other threads are reasonably favourable about Denplan

TIA

M

SparkyG

Take a look at the Tesco dental insurance. The premiums are a little higher, but IMO the benefits are much better especially for maintenance (ie. checkups, scale and polish/hygienist etc) as they pay 100% of costs up to £200 a year.

HTH:D

Toothsmith

Although a dentist, I'm not an exprt on all the small print of all the various insurance policies.

I do have a couple of patients with the Denplan company policy though (as opposed to regular Denplan, which most of my patients are on), and they never seem to have any trouble, and they don't hand me mind-bogglingly complex forms to fill out every time I do a check-up!

sugob

Thanks for the replies.

Just went with the easy option of the Denplan Essential Plus rather than the 30% more expensive Denplan Extensive with less 'Restorative Treatments' [80% of £400 per year though the other limits are double]

Still paying for something I don't want to use - how mad is insurance

M