The HSA dental plan has three levels of cover and premiums start at £7 a month. Partners can be added at no extra cost and children’s cover is an extra £1 a month.
The plan was launched following market research conducted by HSA that highlighted people’s concerns about access to NHS dentists and the cost of going private. With the majority expecting NHS dentistry to worsen or disappear, HSA thinks it likely that many will go private, so will look for a cash plan that can help with the costs.
For level one cover, policyholders are reimbursed 100 per cent of the cost of dental health maintenance up to £20, dental accident cover up to £5,000 per accident within a total of £10,000, emergency treatment up to £500, emergency cover callout fee of up to £150 and up to 75 per cent of the cost of dental treatment up to £200. Mouth cancer cover will provide a £4,000 lump sum and worldwide cover is included for up to 28 days.
For level two cover, which costs £12 a month, the limits are £50 for maintenance, £750 for emergency treatment, £200 emergency callout and £8,000 for mouth cancer. Dental accident cover is offered on the same terms as level one and the limit for dental treatment is 75 per cent of the cost up to £5,000.
Level three cover costs £17 a month and the limits are £150 for maintenance, £7,500 per accident within total cover of £15,000, £1,000 emergency cover, £250 for emergency callout and a £12,000 lump sum for mouth cancer. Up to 75 per cent of the cost of dental treatment is provided up to £2,000.
Competitors include Axa PPP Healthcare’s dental cashplan plus which has one level of cover for everyone and has the advantage of a hospital cash payment. For £8.50 a month, policyholders receive a reimbursement of 100% of the cost of dental appointments and routine dental treatment subject to no limits. However, there are limits for other benefits. Oral cancer benefit is a £12,000 lump sum, which is on a par with HSA’s level three cover, but at a lower premium.
However, Axa PPP allow up to £2,500 towards each dental accident within a £10,000 total, which is more restrictive than HSA, even though the total cover for each year is the same.