What is dental insurance?

With most dental insurance you pay your dentist for any treatment received and then claim money back from your insurer. Dental insurance can cover routine treatment, such as check-ups and dental X-rays, as well as restorative treatment such as fillings. 

Dental insurance won’t usually cover you for treatment which has been identified as necessary by a dentist before you joined. It’s important to know what your policy does and does not cover before joining. 

What are the main benefits of our dental insurance?

With our dental cover, you’ll be able to see a dentist when you need to without worrying about the cost. Our dental cover is designed to help you maintain a healthy smile, and help to ease the financial concerns of dental treatment.

We offer Core and Premium cover. Our Core cover level covers the cost of NHS treatment, while our Premium cover level offers money back towards private and NHS treatment.

With two choices of cover levels to help flex to your budget and individual needs, our dental cover is something to smile about.

Choose the cover you need

At AXA Health, we like to keep things simple for our members. We don’t make you answer any difficult medical questions when you join.  And, we’ll make it easy to manage your costs with affordable monthly subscriptions.

You can choose:

  • Core if you get NHS Treatment or
  • Premium if you want the choice of private or NHS treatment.

    With both you’ll be covered for a range of treatment including dental accidents and emergencies abroad. 

Core dental cover

This Core dental cover means you can get a range of treatment on the NHS, without having to worry about the cost (subject to the terms of your plan). You can have routine check-ups, hygiene treatments as well as more complex treatment such as crowns, fillings and bridges. 

What does our Core dental plan cover?



  • Routine check-ups, hygiene treatments, periodontal (gum disease) treatments on the NHS.*

  • Dental treatment on the NHS that aims to repair damage or cure a dental problem (rather than just treat its symptoms). This could be fillings, crowns, bridges and dentures, as well as other similar treatment.*

  • Hospital cash benefit of £60 per night up to 30 nights per person per policy year. This can be claimed for each night you received inpatient treatment under the NHS in relation to dental accidents or mouth cancer. 
  • Worldwide accident cover. Up to £2,500 towards treatment following a dental accident for up to four incidents per person per policy year.*

  • Choice of visiting any NHS or private dentist treatment for accidents or emergencies.

  • Mouth cancer cover, even if you smoke. We'll pay up to £12,000 towards one course of treatment per person, received within 18 months following diagnosis.

  • Worldwide emergency cover. Up to £200 per incident for the cost of emergency dental treatment subject to a maximum of four incidents per person per policy year. 

*Available after being a member for one month.

What's not covered by our Core dental plan?



  • Routine check-ups, hygiene treatments, periodontal treatments, and dental x-rays received as a private patient.

  • Mouth cancer diagnosed before, or within 90 days after, the commencement date of the policy or for which tests or consultations began within those 90 days, even if the diagnosis is not made until later.
  • Claims for costs for periodontal treatment, dental x-rays, remedial or restorative treatment, which had been identified as necessary, by a dentist, before you joined.

  • NHS dental treatment costs for treatment prescribed, started, completed or paid for prior to the start date of this policy or within the first month of joining.

  • Claims for any costs for treatment, other than for routine check-ups and hygiene treatment, which you ought reasonably to have known you needed before the date you joined.

  • Claims under the dental accident benefit for dental treatment required as a result of an incident that occurred prior to the start date of the policy, or within one month of joining.

  • Claims under the emergency benefit for dental treatment costs incurred prior to the commencement date of the policy, or within one month of joining.

  • Cosmetic treatment, tooth whitening, orthodontics or any treatment not deemed to be clinically necessary, unless as part of a course of NHS dental treatment.

  • Sporting injuries where a mouthguard or other recommended protection is not worn, unless treated on the NHS.

  • Claims for courses of NHS dental treatment if you live outside the United Kingdom for six months a year.



These are the main exclusions and limitations of cover (you can find a full list in the membership handbook).

Premium dental cover

Our Premium cover means you can get a range of treatment privately, or on the NHS, without having to worry about the cost. That includes things like routine check-ups and hygiene appointments, as well as more complex treatment such as crowns, filings and bridges.

What does our Premium dental plan cover?



  • Choice of visiting any NHS or private dentist treatment for accidents or emergencies.

  • Treatment as an NHS or private patient for routine check-ups, hygiene treatments, periodontal (gum disease) treatments and dental x-rays up to £175 per person (after being a member for three months).

  • 50% towards the cost of private or NHS dental treatment that aims to repair damage or cure a dental problem (rather than just treat its symptoms) up to a maximum of £1000 per person per plan year. This could be fillings, crowns, bridges and dentures as well as other similar treatment. Within this limit we’ll pay a maximum of £500 per person, per year, towards the cost of crowns, bridges, dental implants, inlays and onlays when treatment is received as a private patient. You can get this after three months of being a member.

  • Worldwide accident cover. Up to £2,500 towards treatment following a dental accident for up to four incidents (available after one month).

  • Mouth cancer cover, even if you smoke. We'll pay for up to £12,000 towards one course of treatment per person, received within 18 months following diagnosis.

  • Hospital cash benefit of £60 per night for up to 30 nights per person, per policy year. Hospital cash benefit for each night you received inpatient treatment under the NHS for dental accidents or mouth cancer. 

  • Worldwide emergency cover. Up to £200 per incident for the cost of emergency dental treatment subject to a maximum of four incidents per person per policy year.

What's not covered by our Premium dental plan?



  • Claims for costs incurred for periodontal treatment, dental x-rays, remedial or restorative treatment, which had been identified as necessary, by a dentist, before you joined.

  • Treatment costs for routine check-ups, hygiene treatment, periodontal treatment, dental x-rays, remedial or restorative treatment (prescribed, started, completed or paid for) prior to the start date of this policy or within the first three months of joining.

  • If you have not attended the dentist for a routine check up in the 12 months prior to your policy start date, there is no cover for any periodontal treatment, dental x-rays, remedial or restorative treatments, identified as necessary at your first appointment.

  • Claims for any costs for treatment, other than for routine check-ups and hygiene treatment, which you ought to reasonably have known you needed before the date you joined.

  • Claims under the dental accident benefit for dental treatment required as a result of an incident that occurred prior to your policy start date.
  • Claims under the emergency benefit for dental treatment costs incurred prior to the commencement date of the policy, or within one month of joining.
  • Claims for courses of NHS dental treatment if you live outside the United Kingdom for six months a year.
  • Mouth cancer diagnosed before, or within 90 days after, the commencement date of the policy or for which tests or consultations began within those 90 days, even if the diagnosis is not made until later.
  • Cosmetic treatment, tooth whitening, orthodontics or any treatment not deemed to be clinically necessary, unless as part of a course of NHS dental treatment.
  • Sporting injuries where a mouthguard or other recommended protection is not worn, unless treated on the NHS.

These are the main exclusions and limitations of cover (you can find a full list in the membership handbook).

What do I need to get a dental insurance quote?

Ready to get your dental cover quote?

Here's some information you'll need:

  • Personal details such your name, address and date of birth.
  • Details of any family members you would like to add to your policy.
  • The date you'd like your policy to begin.


Our dental insurance quote process usually takes just a few minutes, so why not get an online quote now?

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Frequently asked questions

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*Lines are open 8am to 7pm weekdays and 9am to 1pm Saturdays. We may record and/or monitor calls for quality assurance, training and as a record of our conversation.