The Policy Summary and Important Information

Policy Summary

This summary is a brief description of your Dental Injury and Insurance, which is underwritten by ACE European Group Limited. It does not contain the full terms and conditions, which are available on a separate document. CLICK HERE

What is this Insurance?

This policy provides you with cover for costs for temporary dental treatment as a result of a dental emergency away from home or abroad, and cover towards the cost of permanent dental treatment following a dental injury. It also provides for the payment of out-of-hours fees to dentists when required to open up their dental surgery to treat you in an emergency outside normal business hours. There is also a hospital cash benefit payable when you are under the care of a dental or oral/maxillo facial surgeon and a cash benefit in the event of diagnosis of mouth cancer. See table below for main benefits and exclusions

Policy Duration
The Supplementary Dental Injury and Emergency Insurance is a monthly contract, which continues as long as you continue to pay your monthly premiums.  

Cancellation
If you decide within 14 days of receiving the Policy that the insurance does not meet your requirements, you may return the policy to DPAS for cancellation.  A full refund of any premium paid will be allowed, provided no claims have been made.  As the insurance is an integral part of the plan, cancellation of the insurance will automatically cancel your membership of the dental plan.

To make a Claim
A completed claim form, together with supporting documentation, should be submitted to the DPAS Insurance team as soon as possible. Claim forms are availble from Granby House or from DPAS.  See 'How To Make A Claim' on main policy document.

A Summary is shown below.  Full details of the benefits and their limits, cover and payable terms can be viewed by clicking here  (every effort will be made to keep this link to show the current policy, but it should be referred to as a guideline only; please phone us to confirm details for any claim)

What if I have a complaint?

If you are dissatisfied with the service we have provided in relation to this Dental Injury & Emergency Insurance, or if you feel we have made a wrong decision, please contact DPAS Ltd on 01747 870910. If you are dissatisfied with the outcome of the investigation, you can ask the Financial Ombudsman Service to consider your complaint.

Benefits Notes   Treatment following dental injury To assist with the cost of treatment after a dental accident. Treatment limits apply - see section 1 of policy   Temporary emergency dental treatment in the UK and abroad Payment towards temporary emergency treatment when away from your own dentist. Treatment limits apply - see section 2 of policy   Out of hours consultation for dental emergency or dental injury Pays a call out charge to a dentist who opens their surgery to treat you in a dental emergency outside normal surgery hours (weekends, bank holidays and 6pm-8am weekdays).  See section 2 of policy for limits and exclusions       Hospital Cash Benefit Pays a benefit per night when staying overnight in hospital under the care of a dental or oral/maxillo facial surgeon -see section 3 of policy     Mouth Cancer Benefit A benefit payable when first diagnosed by a qualified dentist or doctor - see section 4 of policy

What are the main exclusions of the Supplementary Insurance? Where can I find more information? Dental injuries: 1) where the need for treatmnet does not become apparent within one wek of the injury incident 2) resulting whilst participating in boxing or rugby unless appropriate mouth protection is worn   Section 1 of the policy document Implants   Section 1 of the policy document Permanent treatment in a dental emergency Section 2 of the policy document Emergency treatment provided by your own dentist or a specialist acting on you dentist behalf   Section 2 of the policy document Mouth cancer diagnosed before joining the Dental Plan Section 4 of the policy document