FAQs

A: Any normal and regular overhead of your practice can be covered. The only things not included are any remuneration for yourself; the cost of dental goods, wares or merchandise and the cost of dental equipment (you can, however, insure the cost of equipment rental and/or fixed term loan repayments).

A: Probably the most frequently asked question. Here is a table to help you work out your total annual expenses. Then you can cover up to 80% of this figure.

A: Yes. As the benefits are provided under a group scheme, unless the Master Policy is terminated, your cover remains continuous through to age 65. In fact, once you are accepted into the scheme you can never be individually selected for any adjustment or cancellation of your cover or increase in your monthly premium. However, please note your policy will be cancelled if your claim continues for the maximum 12 month duration.

A: To help protect you against inflation, benefits and monthly premiums are automatically increased by 5% at the end of each Policy year, regardless of any subsequent deterioration in your health. If these increases prove insufficient you can always apply for extra cover at any time. *Subject only to the maximum level of benefits available.

A: When you apply, if you have had time off work or received advice or treatment for a particular condition within the last 12 months, that condition will not be covered for the first 2 years. However, once you have been covered for 2 consecutive years, free from the problem and/or any treatment, this limitation will not apply.

A: Surprisingly few, and only those that you might expect, but none affect leisure activities. Benefits are not payable for more than 30 days a year active duty in the armed forces, declared or undeclared war, intentionally self-inflicted injuries or HIV/AIDS (except for accidental infection). Please refer to the policy booklet for full details.

A: You certainly would. Benefit is calculated on a daily basis, the daily benefit being 1/30th of the Monthly Benefit Amount. Thus, in this example you would, of course, receive no benefit for the first 30 days, but full benefit for the remaining 2 months and 11 days.

A: It begins immediately your application is approved. The only exception would be if you were medically unfit for work at the time you apply, in which case cover would begin when you return to work.

A: No, simply because they are not directly responsible for the payment of the practice’s overheads.

A: Yes, if three or more expense sharing partners in the same practice apply they will receive an additional discount of at least 5%. Ring Dental Insurance Services on 01245 – 265541 for more information.

A: You should notify Dental Insurance Services and, regrettably, you would lose the 10% discount. If you continued to take the discount and then made a claim, your Monthly Benefit Amount would be reduced by 10%.

A: Once you have taken out the plan you have 14 days to read the Policy document that will be sent to you, this includes full conditions and Policy exclusions. If you are not satisfied you can return your Policy. ACE European Group guarantees that any premium paid by you during this period will be refunded in full provided you have not made a claim. After that you can cancel at any time – simply write to Dental Insurance Services to inform them that you no longer require the cover.

A: In the first instance simply contact Dental Insurance Services on 01245 265541.