Tesco to offer free dental accident cover
Tesco Personal Finance is to shake up the dental insurance market by offering customers a free dental accident plan alongside two new dental insurance products.
Dental Insurance
01/08/07
Tesco to offer free dental accident cover
These will give customers peace of mind and help protect them against the cost of dental check-ups as well as planned and unplanned treatment. The move follows the launch of Tesco Health Insurance in January.
Tesco Dental Accident Plan is completely free for 12 months and offers £1,000 worth of protection for up to 4 dental accidents during the year, with up to £250 towards the cost of treatment for each accident. To apply, customers simply call 0800 678 1790 and give name, address, date of birth and contact details.
The move by Tesco into the dental insurance market also sees the launch of two paid-for products offering different levels of cover. With Tesco Dental Insurance Core Cover, from just £8.95 a month, customers will be able to insure themselves for the cost of all NHS dental appointments and courses of treatment received in England, Northern Ireland, Scotland and Wales, plus worldwide dental accident and emergency benefits.
A second level of cover, Tesco Dental Insurance Premium Cover, from £16.95 a month, will provide up to £200 a year for maintenance including check-ups, diagnostics, scale and polish, on the NHS or privately, and up to £2,000 a year for general treatments such as fillings and crowns, plus worldwide dental accident and emergency benefits.
The new Tesco Dental Insurance products combine value and simplicity and are easy to apply for; there is no need to provide your dental history and no maximum age limit on joining. Customers can buy the products over the phone (or online from 24 September) without having to fill in a complicated questionnaire. The dental insurance leaflets will be available in stores from August 15.
Jeremy Sutton, head of Tesco Health and Dental Insurance, comments: “Only a small number of organizations currently offer dental insurance. Our approach will open up the market to people who want the choice that dental insurance offers.We aim to offer products that are simple, good value and easy to buy.”
Tesco Personal Finance has teamed up with AXA PPP healthcare to offer the dental insurance products. Says Fergus Craig, commercial director of AXA PPP healthcare: “Tesco Dental Insurance will be a big help to people who want to manage the cost of staying in good oral health. And, if they should need emergency care, the cover will cushion them from painful dentists’ bills. With a plan for patients who go NHS, and a plan for those who prefer to go private or to mix their NHS and private care, Tesco Dental Insurance should have a positive impact on the dental health of the nation."
Customers can take out a free Tesco Dental Accident Plan or find out more about Tesco Dental Insurance Core or Premium Cover by calling 0800 678 1790.
-Ends-
For further information, please contact:
Matthew Dransfield: 0791 707 0614
Lisa Loveday: 020 7334 7777
Lisa Loveday: 020 7334 7777
Notes to editors:
Free Dental Accident Plan is not available to anyone under 18.
Tesco Dental Insurance - Core Cover
|
Benefit
|
Cover
|
Annual benefit limit
|
|
All NHS dental appointments and courses of treatment
|
Full cover
|
No annual maximum
|
|
Dental emergency (private or NHS, UK and worldwide)
|
Up to £200 for initial emergency appointment
|
£200 per incident,
£400 annual limit |
|
Dental injury (private or NHS, UK and worldwide)
|
Up to £2,500 for treatment within six months of a dental accident
|
£2,500 per incident, £10,000 annual limit
|
|
NHS Hospital Cash Benefit (private or NHS hospital, UK and worldwide)
|
£60/night if you stay in an NHS hospital for the sole purpose of receiving dental treatment following a dental injury. This is a tax-free cash benefit for you (treatment costs are met by the NHS).
|
30 nights/yr
|
|
Private treatment of mouth cancer
|
Up to £12,000 for a course of private treatment
|
£12,000
|
NHS dental charges in England and Wales
NHS dental treatment in England and Wales is charged in three bands regardless of whether you have one visit to your dentist, or a whole course of treatment.
NHS dental charges in Scotland and Northern Ireland
In Scotland and Northern Ireland, dentists charge per item and patients are expected to pay 80% of treatment up to a maximum limit (£372 in Scotland and £384 in Northern Ireland at the time of going to print).
How much will it cost?
|
Core Cover
|
Individual
|
Joint
|
|
Monthly premium
|
£8.95
|
£16.95
|
There is no cover on this plan for children, as dental treatment for the under 18s is free of charge on the NHS.
Tesco Dental Insurance Premium Cover
Superb value cover for private and/or NHS dental treatment, plus worldwide dental accident and emergency benefits:
|
Benefit
|
Cover
|
Annual benefit limit
|
|
Maintenance (e.g. check-ups, diagnostics, scale and polish)
|
£200
|
£200
|
|
General dental treatment
(e.g. fillings, crowns, bridges)
|
£2,000*
|
£2,000
|
|
Dental emergency (private or NHS, UK and worldwide)
|
Up to £200 for initial emergency appointment
|
£200 per incident,
£400 annual limit |
|
Dental injury (private or NHS, UK and worldwide)
|
Up to £2,500 for treatment within six months of a dental accident
|
£2,500 per incident, £10,000 annual limit
|
|
NHS Hospital Cash Benefit (private or NHS hospital, UK and worldwide)
|
£60/night if you stay in an NHS hospital for the sole purpose of receiving dental treatment. This is a tax-free cash benefit for you (treatment costs are met by the NHS).
|
30 nights/yr
|
|
Private treatment of mouth cancer
|
Up to £12,000 for a course of private treatment
|
£12,000
|
*If received privately, 80% reimbursement up to £2,000. If received on the NHS, 80% limit does not apply.
|
Premium Cover
|
Individual
|
Joint
|
Family
|
Single parent family
|
|
Monthly premium
|
£16.95
|
£31.95
|
£37.95
|
£22.95
|
Tesco Personal Finance
Tesco Personal Finance, the financial services arm of the UK's number one supermarket chain, was launched in July 1997 and offers a combination of Internet, supermarket and telephone banking. Tesco Personal Finance now has over 5 million customer accounts. It provides a range of 21 low cost, value for money financial services covering general insurance, lending and savings & investments. It is a joint venture between The Royal Bank of Scotland Group plc and Tesco PLC. Tesco Personal Finance Limited. Registered in Scotland No 173199. Registered Office 24 St Andrew Square.
Global AXA Group
AXA is a world leader in financial protection, with major operations in Western Europe, North America and the Asia/Pacific area. AXA serves over 50 million customers throughout the world (individuals and businesses).
AXA in the UK
AXA UK, a wholly owned subsidiary of AXA SA, operates in the UK and Ireland and is active in the life insurance, health insurance and general insurance markets. It comprises four business units: AXA Sun Life, AXA Insurance, AXA PPP healthcare and AXA Ireland.
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