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Dental Insurance

Dental Insurance at Pearl Dental ClinicPrivate dentistry can be expensive especially for those patients that need regular dental treatment. Dental Insurance provides access for patients that wish to have high quality private treatment without the high cost. 

There are many dental insurance plans available on the market. Generally, insurance plans cover the cost of dental examinations, hygiene treatment and a partial cover of the cost of private dental treatment. 

Types of Dental Insurance plans:

Capitation Schemes

With these schemes you pay a set fee each month and usually you also pay for lab fees (e.g. crowns, denture, splints, bridges). You will have to be seen by a capitation scheme dentist before you can join these schemes and you will have to be dentally fit before you can join the scheme. 

The disadvantage of this type of insurance is that you are restricted to only receiving treatment from dentists who have signed up to that particular capitation scheme. Also specialist treatment by a gum specialist or a root canal specialist or an oral surgeon is not covered by these capitation schemes. 

The cost of capitation schemes varies from patient to patient and is usually based on the dental work you have already have had done in the past and an anticipation of the work that you may need in the future. So if you have suffered from gum disease in the past and have many fillings in your mouth and likely to need 3 monthly hygiene treatment in future, your capitation premium are likely to be higher.

Maintenance plans

These plans give you cover for two dental examinations & hygiene treatments every year. For treatment you will usually receive 10% discount from the dentists fee guide. There is usually an initial signing up fee to join these plans. 

This type of basic plan is usually most suitable for people who feel that their dental status is stable and unlikely to need much treatment other than regular checkups and hygiene.

Comprehensive Dental Insurance Plans

These plans usually charge a fixed monthly fee and provide 2 checkups and hygiene treatments per years as well as giving you ~50% discount on the cost of dental treatment up to a yearly maximum limit of around £1000. 

Comprehensive dental insurance plans usually cover dental emergencies. When you undergo treatment you pay the dentist who carried out the work wherever in the UK that maybe, and then send a claim form along with your receipt to the insurance company to claim back the fee paid. 

Many comprehensive dental insurance plans set maximum limits on the amount of money that can be claimed for any particular treatment, as well as a maximum limit for the total amount payable for treatment during a full year. 

Most comprehensive insurance plans will require you to enroll on a comprehensive dental plan for at least 3 months before claiming expenses, but this differs according to the insurer.

Please contact us on 0208 547 9997 or email us at: if you need further assistance.

Latest Patient Reviews

  • Pearl Dental Clinic

    Friendly staff, who remember you.

  • Pearl Dental Clinic

    I am a nervous dental patient but was made to feel reasonably relaxed.

  • Pearl Dental Clinic

    DR Ehsan is a very good dentist

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    Good customer service

  • Pearl Dental Clinic

    My favourite part of Pearl Dental Clinic is my clinician, Dr Ehsan Esfahani. Dr Esfahani is very good at explaining my current status and my future treatment plan (Invisalign Full) he gives me great assurance and confidence that the outcome of my treatment will be as promised in my first consultation - Dr Esfahani is reluctant to make promises that he knows cannot be delivered. In addition to his excellent dentistry knowledge and professional manner Dr Esfahani is a genuinely nice person who is very welcoming, relaxing and a pleasure to have as my dentist. I should also thank Dr Esfahani's assistant and the gentleman on the front desk (Wednesday nights) who are both incredibly polite and helpful during every visit to the practice.

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    Value for money

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    Great treatment and service provided by the Doctors/Assistants, friendliness of the reception staff and convenient opening hours and flexibility.

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    Patience and caring attitude

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    Patience and friendliness

  • Pearl Dental Clinic

    Extended opening hours; dentist available on weekends which is great for working people like myself. Very friendly, helpful and approachable staff. Easy to book/alter appointments. Very professional service. Reasonable prices compared to other dental practises. Would highly recommend.

  • Pearl Dental Clinic

    dr mohsen is amazing n really nice mashaAllah

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    Your expertise and good customer service

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    Efficient friendly organised excellent opening hours and value for money

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    Friendly staff

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    The staff are very nice, its also clean. I used to have a fear or dental work but I'm slowly getting better as the staff here don't put pressure on you or make you feel bad about your fears, your always just encouraged to try your best. They alway apriciate that you are trying your best.

  • Pearl Dental Clinic

    Good deal with Invisalign. Very good opening hours. Finance.

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    Very efficient

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    I would like to thank my dentist Vahid Motahar for my fantastic treatment iv been receiving I have always been a nervous patient as I hate the dentist but really wanted braces for some time, when I had my first consultation with Mr Motahar I felt confident he was good so went ahead with treatment. I am now half way through and my teeth are looking great already. I would like to thank Mr Motahar and the team for making this process a much better experience for me.

  • Pearl Dental Clinic

    No waiting. Very punctual. Easy to get an appointment. Appointment reminders.

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    Very clean practice and friendly staff. Would definitely return in future