Is Denplan through company worth it?


I have the option of paying 230GBP for denplan essential which would allow me cash back per year:
Examination - 50GBP,
Hygiene - 70GBP,
X-ray - 40GBP

I already go to a private dentist 2 times a year with exam, hygiene and x-ray occasionally which costs roughly 250 per year. 

I'm not sure if it's worth it to get this deplan as I'm paying 60GBP more with it if I use all the cash back. I guess I get worldwide restorative treatment and emergency cover but not sure I've every used that. 

There's another level - Denplan elementary without the cash back which covers NHS costs.

Not too sure which if any I should go for.  Does anyone have experience with this or adivice?


  • edited 19 May 2022 at 2:30PM
    ToothsmithToothsmith Forumite
    10K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    edited 19 May 2022 at 2:30PM
    I'm not quite sure how the Denplan policies offered as a company benefit work. I offer Denplan options for my patients, and something that also comes with them is some insurance cover as well that would kick in if any 'external' accidental damage occurred to the teeth.

    'External' meaning an actual bash to the mouth, like a trip or a fall, or being hit in the face, as opposed to an 'internal' damage caused by biting on something hard - which isn't covered. Also covered would be any emergency call out fees if you needed to be seen as an emergency at a weekend

    Both the external accidental damage cover, and emergency cover could be a useful 'bonus' to taking out the company policy if that covers such things, as opposed to just staying as a 'Pay as you go' patient with your practice. 

    Might just be worth asking what schemes the practice might offer and compare the cost/cover of that with what your getting offered from work, and also what your actually paying your dentist 'as you go'.
    How to find a dentist.
    1. Get recommendations from friends/family/neighbours/etc.
    2. Once you have a short-list, VISIT the practices - dont just phone. Go on the pretext of getting a Practice Leaflet.
    3. Assess the helpfulness of the staff and the level of the facilities.
    4. Only book initial appointment when you find a place you are happy with.
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