Dental Insurance Premium Calculator
Your Dental Insurance Estimate
Monthly Premium-
Annual Premium-
Annual Benefit Limit-
Excess Per Claim-
Dental Insurance Comparison 2025/26
| Cover Level | Monthly (individual) | Annual Limit | Includes |
|---|---|---|---|
| Basic | £8–£12 | £500 | Checkups, hygiene, X-rays |
| Standard | £15–£25 | £1,500 | + Fillings, extractions |
| Comprehensive | £25–£40 | £3,000 | + Crowns, bridges, dentures |
| Premium | £40–£65 | £7,500 | + Orthodontics, implants |
Key Facts
NHS Checkup
£26.80
NHS Band 2
£73.50
NHS Band 3
£319.10
Private Checkup
£50–£150
Private Crown
£500–£1,200
Implant Cost
£1,500–£3,000
How to Use This Calculator
1
Enter your age
Premiums increase with age as dental needs typically grow.
2
Select cover level
Choose from basic routine care to premium including orthodontics and implants.
3
Select number of people
Family plans are typically cheaper per person than individual policies.
4
Choose your excess
A higher excess reduces your premium but means you pay more per claim.
5
Review your estimate
See monthly and annual premiums plus the annual benefit limit for your plan.
Frequently Asked Questions
Is dental insurance worth it?
Dental insurance is worth considering if: you need regular dental work, you prefer private dental care, you want predictable monthly costs, or NHS dentists are unavailable in your area. For basic care, NHS charges may be cheaper.
What does dental insurance not cover?
Most policies exclude: pre-existing conditions (for the first 6-12 months), cosmetic dentistry, treatments started before the policy, and dental work needed due to neglect. Check waiting periods carefully.
Can I still use the NHS?
Yes. Having dental insurance does not prevent you from using NHS dental services. Some people use NHS for routine care and insurance for private treatment.
What is the waiting period?
Most dental insurance policies have waiting periods before you can claim: typically 3 months for routine care, 6 months for fillings and extractions, and 12 months for major work like crowns and bridges.
Are dental insurance premiums tax deductible?
For individuals, dental insurance premiums are not tax deductible. However, if provided by an employer as a benefit in kind, the company can claim corporation tax relief on the premiums.
What about dental plans (capitation)?
Dental plans (like Denplan) are not insurance but a payment plan where you pay a fixed monthly fee to your dentist for agreed treatments. They guarantee access to your dentist but do not offer the flexibility of insurance.
Official Sources & References
Data verified against official UK government sources. Last checked April 2026.