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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.

Jargon buster

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

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.

Benefit limit

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

Benefit year

By benefit year, we mean the 12-month period from your policy start date and each 12-month period thereafter until your cover ends.

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.

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.

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.

Primary member

By primary member, we mean the insured person who purchases the policy. You must be 18 years or older and permanently living in the UK (we cannot accept a PO Box or ‘care of’ as a permanent address).

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

Premium

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

Policy schedule

the document we provide to confirm of your cover, your benefit schedule and the terms and conditions of the policy.

Qualifying period

This is the set amount of time you'll need to wait before you can claim for certain treatments. 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.

Start date

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

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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