Dental imsurance

Enigmaman

I am looking to save money on a dental procedure and was wondering what my best option is.

My dentist has diagnosed an infected root and says I can either get a free NHS extraction or pay privately, about £700-800, she quoted, for a complicated root canal that the NHS, in theory, should treat but will not [she says].

I want to keep the tooth and am looking to save a bit of money.

As it is a pre-existing condition, it seems from reading the MSE article that no policy will touch it, or does anyone know of one that might?

Otherwise, I guess my options are somehow trying to get it on the NHS (not sure how, would my GP help? Should I go to PALS?   

Failing that, I guess I could try shopping around, but ideally, of course, I would like it free, as first port of call.

Thoughts?     

marcia_

Enigmaman said:

I am looking to save money on a dental procedure and was wondering what my best option is.

My dentist has diagnosed an infected root and says I can either get a free NHS extraction or pay privately, about £700-800, she quoted, for a complicated root canal that the NHS, in theory, should treat but will not [she says].

I want to keep the tooth and am looking to save a bit of money.

As it is a pre-existing condition, it seems from reading the MSE article that no policy will touch it, or does anyone know of one that might?

Otherwise, I guess my options are somehow trying to get it on the NHS (not sure how, would my GP help? Should I go to PALS?   

Failing that, I guess I could try shopping around, but ideally, of course, I would like it free, as first port of call.

Thoughts?     

 You can not take out insurance against an event that has already happened. 

MyRealNameToo

Enigmaman said:

I am looking to save money on a dental procedure and was wondering what my best option is.

My dentist has diagnosed an infected root and says I can either get a free NHS extraction or pay privately, about £700-800, she quoted, for a complicated root canal that the NHS, in theory, should treat but will not [she says].

I want to keep the tooth and am looking to save a bit of money.

As it is a pre-existing condition, it seems from reading the MSE article that no policy will touch it, or does anyone know of one that might?

Otherwise, I guess my options are somehow trying to get it on the NHS (not sure how, would my GP help? Should I go to PALS?   

Failing that, I guess I could try shopping around, but ideally, of course, I would like it free, as first port of call.

Thoughts?     

How many bookies do you know that will allow you to put a bet on a race that has already run?

Insurance is basically a non-starter the only time you can claim for something thats already happened is if an underwriter has made a major mistake in the drafting of their policy wording. I've seen it happen once in my 20 years in the industry and have read thousands of policy wordings. 

In reinsurance occasionally things can be back dated, once had a reinsurer agree to backdate a policy by 4 months but it was a 60 year contract, we were to pay them £12.5bn and so proportionally it was negligible

One option that may help is a dental/health cash plan, some of those will allow you to claim for stuff thats already happened/occurred but premiums and maximum claims are not far apart so it'll be a marginal saving.