myD and dencover

Are you a {my}dentist patient looking for the dencover offer?
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For all your questions about our products, dental plans….

Here you will find the answers to frequently asked questions about our plans, claims process and policy terms and conditions.

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Jargon buster

Here we’ll help you to understand some of the commonly used jargon within dental insurance.
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Mouth cancer

By mouth cancer, we mean a malignant tumour, tissue or cells, primarily in the oral cavity, lips, tongue or pharynx, characterised by the uncontrolled growth and spread of malignant cells and the invasion of tissue. Mouth cancer cover will end if you leave or cancel your policy and cannot be claimed again if you start a new policy at another time.

Cosmetic or aesthetic procedures

treatment to improve your appearance but not clinically necessary such as tooth bleaching and whitening, including laser treatment to whiten your teeth.

Reimbursement

This is the amount you will be paid by dencover following receipt of a valid claim. This will be calculated based on your policy and benefit entitlements.

Pre-existing condition

By pre-existing condition, we mean a medical or dental condition (except for pre-existing periodontal conditions), injury or illness that

• the insured person knew about or
• had treatment recommended/planned by a dentist

in the 12 months before the started and returns within 24 months of the policy’s start date

Emergency

We will cover urgent treatment completed during a single emergency appointment for severe pain or trauma to your teeth or mouth, including trauma that prevents you eating, acute infection(s), or stopping bleeding after removal of a tooth. This does not include any permanent work received during an emergency appointment - this will be subject to your routine policy benefits.

Treatment

By treatment, we mean any listed dental procedure shown on the benefit schedule which is carried out to maintain or restore your dental health, including treatment as a result of an accident/injury and treatment for mouth cancer.

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