Dental insurance for children

Children get free NHS dental treatment under the NHS. But, the NHS only funds some dental procedures. The agreed NHS treatments may not be best for an individual child.

NHS dentists offer treatment to children. Many private dentists previously providing free NHS treatment to children, no longer do so after April 2006. National newspaper reports suggest that over a million children had NHS cover discontinued after April 2006.

Finding a dentist to offer NHS treatment to your child at a time and place convenient to children and parents is not always easy. NHS treatment increasingly concentrates on problem solving rather than prevention.

Cover under other plans and insurance

Some dental insurance covers, dental maintenance plans, and health cash plans; for individuals or business, may offer free cover for children.

Some free cover is available for children up to 16, and some for children up to 18 as long as they are in full time education. Some policies now cover older children still based at home, who are full time students, until they are 25. Some policies allow you to add children to existing policies, for an extra charge.

Dental insurance plans for children

Dental insurance UK plans for children are very similar to those for individuals. They can be variations on adult dental insurance or adult dental maintenance plans, but some are a mixture of the two types. There are several specialist dental plan insurances solely for children:

  • Denplan Plans for Children
  • Practice Plan Plus Children
  • WPA Providental First Step
  • WPA Providental Level One ( children)

Dental insurance and dental maintenance plans for schools

A number of schools offer schemes where parents can buy cover for their children at the school. This is often at a lower price than individual policies could be bought.

Historically, school schemes were only offered by "Public Schools". With an increasing number of independent schools of various types being created which have more autonomy than in the past, such insurances can be offered to these schools also.

If your child goes to such a school it may be worth enquiring if a scheme is in place. If a scheme is not in place, as both the school and parents could benefit financially, why not make the school aware of availability?

Denplan for Schools covers a pupil for eligible dental treatment, necessary as a result of a worldwide dental accident or emergency, every day of the year.



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