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’ll find the answers to frequently asked questions about dencover’s products, plans and jargon busting terms.

  • Will I be covered for cosmetic treatment?

    You will not be covered for cosmetic treatment (except for teeth whitening where specifically listed on your policy)

    Do you pay my dentist for me?

    No. We ask that you pay for the treatment first and then reclaim the cost through your policy according to your plan entitlements.

    When do my annual benefits start and end?

    Your annual benefits start on the day you sign up to your dencover membership and will end 12 months from this start date. This information can be found on your confirmation email and on your policy schedule.

    Can I make a change to my policy throughout the year? (add/remove/up/downgrade)

    If you wish to make a change to your policy, please refer to the relevant section in the policy schedule or call 0800 180 4505

    Why do I make two payments in my first month?

    At dencover we collect premiums one month in advance. We will collect your first premium around 14 working days after you initially sign up. We will make an additional collection to cover you for month 2 in your 1st month.

    When this second premium leaves your account depends on your nominated DD payment day. If you nominate a DD payment day within the 14 day set up period, your first collection will be a double collection.

    If you nominate a DD payment date after the 14 day set up time, we’ll take two separate payments. The first collection about 14 working days after your sign up and the second will be on your nominated DD date.

    Please advise if this policy covers smokers?

    Yes you can still be covered with dencover if you are a smoker.

    How do I make a claim?

    Once you've registered to use the member portal, you can submit claims online without using a claim form. Here's how you do it:

    1. When your treatment is complete, please ask for an itemised receipt from your dentist which contains a full description of your treatment and costs

    2. Visit https://mypolicy.dencover.co.uk/NIS/ and login using your dencover username and password

    3. Enter your treatment details, upload a scan or photo of your receipt and hit submit

    Once your claim has been approved, we will notify you by email and payment will be made into your nominated bank account.

    Full details of our claims process can be found on your policy schedule.

Jargon buster

Here we’ll help you to understand some of the commonly used jargon within dental insurance.
Chat with us to suggest more jargon for us to bust!

Accident

We will cover dental treatment needed to restore your teeth and/or general oral health to their pre-accident condition. We may ask for additional information such as police and hospital reports as evidence of any incident. Treatment must start within 48 hours of the accident and be completed within 30 days.

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.

Additional adult

By additional adult, we mean your spouse, partner, siblings, children above 18 years old or parents who live in the same property as you. Up to 3 additional adults are allowed on the same level of cover as you and you must pay a premium for each insured adult.

Benefit limit

The most we will pay per year (unless otherwise stated) for treatment listed in the table of benefits

Call-out fee

the cost of attending a dental practice outside practice hours when you're seen by a dentist or specialist.

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

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