Insurance & Financing Options
Making dental implants affordable with UK payment plans, insurance coverage guidance, and 0% finance options
NHS Coverage for Dental Implants
Standard NHS Coverage
The NHS does not routinely cover dental implants as they're considered a cosmetic treatment. NHS dental care focuses on clinically necessary treatments to maintain oral health. Alternative options like dentures and bridges are typically offered under Band 3 treatment (£319.10 in England).
Exceptional Circumstances
NHS-funded implants are only available in severe cases through hospital referral:
- Reconstructive surgery after major facial trauma or accidents
- Head and neck cancer patients requiring reconstruction
- Severe congenital conditions affecting tooth development
- Tooth loss due to other medical treatments
How to Apply for NHS Implants
If you believe you qualify for NHS-funded implants:
- Discuss your case with your NHS dentist
- Request a referral to a hospital consultant
- Attend hospital assessment (may involve waiting list)
- All treatment provided in hospital setting if approved
Private Dental Insurance Providers
Bupa Dental Insurance
Up to £700/year restorative
Not covered (standard plans)
0% APR up to 36 months
Denplan (Simplyhealth)
Comprehensive care plans
£2,100 per implant (injury only, £2.25/month extra)
Through member dentists
AXA Health
Core & Premium plans
Not covered (standard plans)
Pay monthly options
Important Insurance Considerations
- • Standard dental insurance rarely covers implants unless required following accident/injury
- • Pre-existing conditions and planned treatments are typically excluded
- • Waiting periods often apply (3-6 months for major treatments)
- • Annual benefit limits may not cover full implant costs
- • Some employers offer enhanced dental benefits - check with HR
Finance Calculator
Dental Finance Providers
Novuna Personal Finance
Used by Bupa and many large practices
Through your dental practice
V12 Retail Finance
MyDentist and independent practices
Through your dental practice
Ready to Explore Your Options?
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