Dental Insurance Policies - can dovetail two policies?

feelingsuelawley

I've spent ages staring at the spreadsheet I've built to do the cost modelling for covering my family for private dental insurance. My dentist doesn't use Denplan but used to offer a private equivalent, until this changed recently.

As a minimum I want to cover as much of the cost of routine checkups and hygienist visits as possible. Ideally I'd like some provision for scheduled and emergency treatment, too.

At first glance, WPA's Level 2 is by far the cheapest, even after adding accruals for the routine fees it doesn't pay. Cheaper, even, even that self-insuring! But it has minimal cover for scheduled treatment once it's paid for regular checkups etc, due to the £250/year limit.

Other policies cost more, and cover more but they vary so much in cover limits for treatments - % of each bill covered, maximum payments per treatment, maximum payouts per year - that it becomes mind-bending to find one obvious best policy.

QUESTION:

If I bought two separate private dental insurance policies, both of which covered portions of a specific treatment, am I able to claim on both policies to pay for all of it?

Example: I see the hygienist twice a year, charging £80 each time.

Policy A Pays 75% of each bill upto a maximum of £65 per bill = £60 of each bill

Policy B pays 75% of each bill upto a maximum of £100 per YEAR = covers the remaining £20 of each bill

I'm not double claiming any part of any treatment, just splitting it across two policies within their limits.

Does anyone have experience whether this is allowed?

Brie

Wouldn't there be deductibles that would wipe out the savings?  And how do you know if the companies aren't comparing customer lists somehow (without causing a DP breach)?  With most insurance I've heard about being insured twice will mean that the company will either cancel your policy or only pay out half of what you expect from them due to you benefiting twice.

feelingsuelawley

I've allowed for all deductibles in the example calculation. 

Also, as I said, I'm not attempting to double claim - if I get a bill for £80 I won't be trying to get more than £80 back. I just do that across 2 parallel policies.