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For all your questions….

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

Jargon buster

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

up to 3 adult relatives of the primary member including: a partner, siblings, children (older than 18) and parents living in the UK in the same property as the primary member

Accident

a sudden and unexpected injury to the mouth which requires treatment

Benefit limit

the most we will pay as set out in the Table of Benefits.

Benefit year

the 12-month period immediately following the start date and each period of 12 months after that.

Call-out fee

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

Clinically necessary

treatment recommended by a dentist or specialist to ensure the maintenance of good oral health.

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.

Cancer (oral)

a diagnosis of a malignant tumour

Emergency

a single initial dental appointment that you urgently need outside of practice hours to get immediate treatment

Member

the insured person(s) who we have approved to join, and who is listed on the schedule.

Partner

your legally married husband or wife, or your registered civil partner, or a person who is permanently living with you in the same household as if they were your husband or wife or registered civil partner.

Pre-existing condition

a medical or dental condition, injury, illness, disease, sickness or related medical condition and associated symptoms, whether diagnosed or you knew about or should reasonably have known about at the start date, you have seen or arranged to see a dentist about during the 12 months immediately before the start date.

Premium

the amount stated on the schedule that you agree to pay each month in return for the cover we provide.

Primary member

the insured person who purchases the policy. This person must be 18 years or older and be permanently living in the UK.

Qualifying period

the period after the start date during which we will not cover you for dental treatment that is identified as being clinically necessary, whether or not the treatment actually happened during this period. Please see the Table of Benefits to see what qualifying periods apply to your cover. The qualifying period applies to each member.

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.

Relative

a partner, child or any other immediate family member related to you by blood or law.

Schedule

the document containing information about you

Specialist

a dentist who is registered with the General Dental Council as a specialist. For any treatment for oral cancer, specialist means a medical or dental practitioner.

Start date

the date when cover under this policy starts, as noted on the schedule.

Treatment

work carried out on the member’s teeth and / or gums that is covered by this policy.

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