WPA has updated benefits on its Providental dental insurance policy, adding the “NHS top-up” prefix too.
The plan is available both to individuals and to groups who have visited a dentist in the last 18 months. Children can also be covered under the plan. For individuals, the plan offers a choice of two levels of cover:
- Level one. This is designed to pay for NHS treatment only. It pays 100% of NHS treatment costs plus up to £500 for NHS or private dental emergencies (75% of the cost is paid), £10,000 for dental injuries or £10,000 for oral cancer treatment.
- Level two. This version is aimed at both NHS and private dental patients. It pays 75% of treatment costs, up to £250 a year. In addition the plan pays up to £1,000 for NHS or private dental emergencies (75% limit applies), £20,000 for dental injuries and £10,000 for oral cancer treatment.
There is an initial one month qualifying period for check-ups, hygienist and general treatment, 14 days for dental emergencies and three months for restorative treatments. During these qualifying periods claims for these treatments cannot be made. Claims for dental injuries and oral cancer treatments must also be made within 72 hours of the injury or diagnosis.
Both levels of plan also pay £200 per day/night (up to £2,000 a year) for hospitalisation due to dental injuries or oral cancer. Both plans offer worldwide cover for trips up to a maximum of 35 days a year. The plan documentation includes a dental schedule setting out benefit limits for individual treatments. For example, the reimbursement limit for a single filling is £45 or up to £95 for multiple fillings (more than two). For a ceramic crown the reimbursement limit is £350.
For ages 18-49 Level one cover costs £9.50 a month, while Level two cover costs £13.50 a month. For all plans, the first month’s cover is currently free. A 1.5% surcharge applies if (monthly or annual) premiums are paid by credit card. The maximum age at entry is 64.
In the voluntary corporate sector, the plan is available to firms with 50 or more employees, where premiums start from £8.55 per month per employee.
What They Say
Managing director of private clients, Rod Bramston, said: “We have designed NHS Top-up Providental to be even more competitive in terms of freedom to choose a dentist, benefits and price. Customers can have the confidence that premiums will not increase as a result of making a claim. With no requirement for a dental examination before applying, new Providental will help keep our customers smiling.”
What We Say
"WPA is unusual in offering dental insurance rather than a capitation plan to individuals. That means private medical insurance-style renewal (i.e. an individual’s claims do not result in higher premiums for them in future) but it also means initial waiting periods – to stop people starting a plan to pay for treatment then immediately cancelling it."