DenPlan Private Dental Subscription

srisport

Hi All,

I have been on this Dental Plan for many many years now, and I've recently received a letter through the post to inform me that my monthly subscription fee is going up ( surprise surprise like clockwork every year)

while reading the form I've noticed that i have supplementary insurance included at £0.60, is this really required?

also i pay monthly, does anybody know if i can pay for the whole year upfront and if so will i receive a discount ( a bit like paying car insurance - annual fee is always cheaper than monthly direct debits)

I have tried phoning DenPlan but after 30mins on hold i gave up, in general my teeth are healthy and i attend 2 appointments every year without fail with my dentist and hygienist. Just trying to see if i can save a bit of money in an area i haven't looked at for some time now.

Kind Regards.

Toothsmith

This has happened because of changes to the rules about selling insurance.

That 0.60p was included within your monthly payment, and it paid for the insurance component of the Denplan cover. The major bits of this are the emergency cover at weekends or if away on holiday, and the trauma insurance, that would pay the dentist to fix your teeth if you had an accident. There are quite a few other minor things that are included in this too, such as a payment if you’re diagnosed with oral cancer, or ‘hospital cash’ for time spent in hospital with dental related problems.

If you cancel this, it means you would have to pay for emergency call outs at weekends, you would not be able to claim back any emergency fees if you had a problem whilst away from home, but biggest of all, if you slipped on your doorstep and smashed a couple of teeth, you would end up with a bill for several hundred pounds plus.

You may feel this is unlikely, but from my Denplan base of around 1000, I generally have 2 - 3 people a year I send off trauma claims for.

I would suggest 60p a month isn’t really that much for that piece of mind. But the point of the new insurance regulations is that anything like that nowadays has to be separate and optional.

Toothsmith

Oh - and I think they do do an annual payment option but it isn’t cheaper. DD is usually the preferred way of most things, and often that is the cheaper option. I think with Denplan they are both the same, but I’m not 100% sure of that.