Dental Insurance For Your Children? What To Look Out For When Choosing A Policy

Dental Insurance For Your Children? What To Look Out For When Choosing A Policy

Your child, if under 18 (or under 24 in full time education), is already eligible for and fully covered by the NHS for dental treatment. This is mainly due to the fact that there are many more dental problems that children can have. While your child may have fairly comprehensive cover, there are certain dental treatments that the NHS will not fully cover, and there will be some treatments that are not covered by NHS at all.

It is important to remember also, that it is impossible to guarantee that your NHS dentist will be available at the exact moment you need them. Accidents and injuries can strike your child at any moment of the day or night and your dentist, especially in rural areas, may not be on hand to help. Another point to note is even when technically available; many NHS dentists are overbooked as they are increasingly less likely to participate in NHS work due to the lower fees that this work commands.

So what's next? Well, you should most definitely do your research; examine the dental insurance plans you are considering carefully and make sure you shop around. Assess your children's needs and what your resources will allow you to manage. Basically, see which dental insurance plan best meets your specific needs. Whatever your decision, your children's dental health should be paramount.

For older children into their teenage years, it's very important that you pay close attention to the specific details of your own dental insurance policy. If you add your children, as dependents on your policy, it may be enough to cover their needs. If you want a separate dental health plan for them many will offer cover for sports injuries, such as broken or chipped teeth. They can also include cover for private routine treatments, such as a scale and polish, hygienist appointments or fillings, etc. Something to note is that there are some areas of dental treatment that may not be covered. Treatment such as orthodontic procedures that involve teeth straightening, including the making and fitting of braces, will more often than not fall into this category. This is because this sort of treatment is considered more a cosmetic treatment than preventive care and so is normally excluded.

For younger children, dental insurance policies can provide the essential private emergency cover in the UK and abroad. It also gives benefit for private appointments for routine treatment. These types of policies can provide indispensable and priceless piece of mind for parents.

When choosing dental insurance policies, there are always certain things you should keep an eye out for. You need to choose a level of cover that suits you at a price that is affordable. Child policies are no different and you should take the time to shop around, despite the fact that they are normally less expensive.

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