Dental implants are one of the most effective and long-term solutions for missing teeth. However, they come at a cost, and many patients wonder if their dental insurance will help cover the expenses.
In the UK, most dental insurance providers do not cover the full cost of dental implants because they are often classified as a cosmetic rather than an essential treatment. However, there are exceptions, and some insurers do offer partial cover under specific plans.
This guide will help you understand which insurance providers cover dental implants, how much you can expect to pay, and what financing options are available.
Do UK Dental Insurance Providers Cover Implants?
Most standard dental insurance policies do not cover dental implants, as they focus primarily on preventive and routine treatments like check-ups, hygiene appointments, and fillings. However, some premium insurance policies now offer partial coverage for implants, typically covering a percentage of the cost rather than the full amount.
Insurance Providers That Offer Cover for Dental Implants
If you are looking for dental insurance that includes implant treatment, here are some of the top providers in the UK:
AXA Premium Dental Insurance – This plan covers up to £500 per person per year towards the cost of crowns, bridges, dental implants, inlays, and onlays. However, this benefit is only available after three months of membership, and there is an annual limit of £1,000 per person.
Unum Dental Insurance – Unum provides financial assistance for both minor and major dental treatments, including dental implants (depending on the specific policy). Insured dependants can also be covered for an additional fee. Their policies typically include check-ups, hygienist visits, fillings, and crowns as well.
Vitality Dental Insurance – This insurer offers 80% cover for dental implants, up to £400 per year. Implant cover is part of their optical, dental, and hearing insurance package, making it a suitable option for those looking for a more comprehensive level of dental care.
How Much Does Dental Insurance Cost?
The cost of dental insurance varies based on several factors, including:
- Your age and medical history – Older individuals or those with existing dental issues may have higher premiums.
- The provider – Prices differ depending on the insurer and the level of cover offered.
- Coverage tier – Policies that include implants are generally in the higher, more expensive tiers.
On average, basic dental insurance in the UK costs between £10 to £30 per month, while premium plans that include dental implant coverage range from £30 to £60 per month, depending on the provider and level of cover.
Most insurers also require you to hold your policy for a set period—usually between 3 to 12 months—before you can claim for dental implants.
Other Ways to Afford Dental Implants in the UK
If your insurance does not fully cover dental implants, there are alternative ways to make the treatment more affordable:
1. 0% Finance Plans
Many private dental clinics offer interest-free payment plans, allowing patients to spread the cost of treatment over 6 to 24 months instead of paying the full amount upfront.
2. NHS Funding (Limited Availability)
The NHS rarely funds dental implants, as they are considered a cosmetic treatment. However, in exceptional cases—such as severe trauma, congenital defects, or reconstructive surgery—some patients may qualify for NHS-funded implants. The treatment is usually provided under Band 3 NHS dental care, which costs £306.80 in England (2024 prices).
3. Dental Membership Plans
Some private clinics offer monthly membership plans that include discounted rates on treatments, including dental implants. These plans often include regular check-ups and hygiene visits as well.
Are Dental Implants Worth the Cost?
Despite being more expensive than alternatives like dentures and bridges, dental implants offer long-term benefits, including:
✔ A permanent and natural-looking tooth replacement
✔ Prevention of jawbone loss and facial sagging
✔ Restoration of full chewing function
✔ Low maintenance, with implants lasting 20+ years when properly cared for
While the upfront cost may seem high, implants are often more cost-effective in the long run, as they do not require frequent replacements like dentures or bridges.
Final Thoughts
While most dental insurance policies in the UK do not fully cover implants, some premium plans offer partial financial support. If you're considering dental implants, it's worth comparing different insurance providers and exploring finance options to make treatment more affordable.
To find the best deals on dental implants, use CompareDent—your trusted platform for comparing UK dental implant prices and providers.
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