Frequently Asked Questions

No, DeCare Dental does not require a dental assessment prior to provision of dental insurance cover.

Yes, DeCare Dental does offer the option of a child-only policy. The only requirement is that an adult guardian takes responsibility for the premium payments and the accuracy of the information provided, as well as providing their contact details so that DeCare can send the policy documents to the adult guardian.

You can pay your premium online by debit card or by credit card and you can choose to pay in monthly or annual installments. There is no extra charge for paying by month. Since your dental insurance policy is an annual contract, your monthly premium will be collected for 12 months.

A wait period is the period of time specified in a policy, which must pass before you qualify for your cover in that treatment category. A waiting period protects the wider member base by ensuring that a new member does not join, make a large claim and then cancel his/her policy. This behaviour would result in increased premiums for all members.

The annual maximum is the total amount that you are eligible to be reimbursed for on your dental plan. It is applicable per member per year. Where a maximum for crowns, inlays and onlays applies, this is in addition to your annual listed maximum. Where orthodontic cover is provided, this is also in addition to your listed policy maximum.

A policy excess is a standard insurance term, which means that you need to pay this amount yourself first before you make a claim on your insurance. Without an excess, claims would increase dramatically and, ultimately, the cost of insurance would have to rise. Charging an excess means that insurance companies can keep the cost of insurance premiums lower, making them more affordable. An excess of €100 applies to our Healthy Smiles Level 3 & 4 plan for major treatment only, such as crowns and root canals.

Crowns, inlays and onlays, which are covered on some of our plans, e.g Healthy Smiles Level 3 & 4, are subject to a separate annual max benefit of €500 per period of insurance. This €500 is the yearly max benefit available for crowns, inlays and onlays irrespective of the number of crowns, inlays and onlays completed. It is in addition to your standard policy maximum.

Dentures, bridges and implant supported crowns, which are covered on some of our plans, e.g Healthy Smiles Level 3 & 4, are subject to a separate annual max benefit of €500 per period of insurance. This €500 is the yearly max benefit available for dentures, bridges and implant supported crowns, irrespective of the number of dentures, bridges and implant supported crowns completed. It is in addition to your standard policy maximum.

Claims are assessed within 10 working days, once we have all of the the required information to make the assessment of the claim. To receive an update on the current status of your dental claim, please contact our Customer Service Team on 094 9378608, or email us at query@decaredental.ie.

For fast and easy claiming download the DeCare App. Learn more about claiming via the app here.

For paper claims, go to the “Claims” section on our website and select the option Claim Form PDF. The dental claim form can be downloaded and printed from here.

Alternatively, you can contact our Customer Service Team on 094 9378608, and we can send you a claim form by post.

All claims must be submitted within 12 months of the date on which the covered dental treatment was completed.

DeCare App

Download the DeCare app from the App Store or Google Play Store. Select submit a dental claim. Select the member you are submitting a claim for. Take a picture of an itemised receipt, upload and submit.

Online Claiming:

Complete your details in Section A, B and C of the claim form. To ensure prompt payment of your claim, please provide your bank account details and upload your itemised receipt. 

Claim Form:

Complete your details in Section A, B and C of the claim form. To ensure prompt payment of your claim, please provide your bank account details and sign the claim form in Section C. Attach your itemised receipt to the claim form. .Post your completed claim form and itemised receipt to us:
Claims Department, DeCare Dental, IDA Business Park, Claremorris, Co. Mayo, F12 KD85.

Please note your claim must be submitted within 12 months from the date of treatment.

To use our Direct Pay Scheme, you visit a dentist on our Direct Pay network and they settle your bill directly with DeCare. You only pay the balance you are not covered for. You can find our direct pay dentists on our dental directory, Dentist Finder, just filter “yes” for direct pay.

Please submit an itemised receipt with your dental claim form. The itemised receipt should list details of the treatment carried out.

An itemised receipt will contain the following information:

• Tooth Number and Surface for Fillings
• Quadrant treated for Periodontal scaling and root debridement
• Tooth number required for:
  • Sealants Crown
  • Repair or Recement Crown
  • Stainless Steel Crown
  • Root Canal treatment
  • Pulpotomy
  • Extractions
  • Bridge
  • Implant Crowns
  • Emergency Treatment

Yes, you can put different treatments on the same claim form.

Claims are assessed within 5-7 working days, once we have all of the required information to make the assessment of the claim. To receive an update on the current status of your dental claim, please contact our Customer Service Team on 094 9378608, or email us at query@decaredental.ie.

EyeCare plans are available for corporate funded and flexible benefit schemes.

Waiting periods are waived on all TeamCare and EyeCare by DeCare plans, apart from orthodontics, which have an 18 month wait period where applicable.

DeCare members have the option to go to any optician of their choice. However, DeCare also maintains a network of providers referred to as “in-network providers.” Opting for an in-network provider results in a greater benefit for the member. While it’s possible to choose an optician outside of this network, the benefit received in such cases would be reduced.

DeCare members can attend any dentist on the DeCare Dental directory of dentists, which is an extensive list of dentists available on our website. If the member’s regular dentist is not on the list, our customer service team would be happy to help arrange this with the dentist where appropriate.

Yes, if your company can facilitate the purchase of a dental insurance plan through payroll, your staff can avail of the TeamCare Access range of dental insurance products. Just contact our sales team on 094 937 8608 to discuss.

Yes, emergency treatment is covered on all of our plans for services received from a dentist either within Ireland or outside of Ireland, for the immediate treatment relief of pain caused by a natural tooth being lost, damaged or infected.

Yes, our TeamCare and EyeCare plans includes a custom range of oral health services for our corporate members. DeCare has developed a series of innovative oral and optical health programs, which are delivered on-site and can be customised to your company’s needs in terms of format, scale and delivery. Your account management team will work with you to develop a customised calendar of on and off-site oral and optical health services to ensure that your team can make informed and educated decisions about their health.

All members of the public can claim back up to 20% of the expense of some non-routine dental treatment, by filling in the Form Med 1 and keeping a copy of Form Med 2 (Dental) signed by their dental practitioner, as back up if required. Holders of dental insurance can claim back tax relief of 20% on the difference between any amount paid by their insurer and the full cost of treatment. An individual claiming relief must obtain a Form Med 2 (Dental) which is signed and certified by their dental practitioner. For details on what treatments qualify for tax relief, visit Revenue.ie.

Yes, please refer to your policy for cover offered on your plan.

Glasses are covered once per 12 month period.

You can use the online Vision claim form which can be found here.

As you are attending an in-network provider, you do not need to do anything, as the provider will submit the claim directly to DeCare.

There is a list of in-network providers located here.

Your Vision claim statement is in your member area under the “Claim statements” tab.

You can log in here.

Yes, you can, but we have a network of providers known as in-network providers and you receive a higher benefit if you attend an in-network provider. You can attend a provider that is out of network, and you will receive a lesser benefit.

No, there is no wait period for cover.

Yes, please refer to your policy for cover offered on your plan.

No, as no surgery or surgical procedure is covered by your Vision policy.

Yes, please refer to your policy for cover offered on your plan.

Yes, you have one exam per member per calendar year.

No, DeCare is covering the full cost of this service and it is available for dental emergencies in addition to your current plan benefits.

No, DeCare is covering the full cost of this service and it is available for dental emergencies in addition to your current plan benefits.

You must book any appointments directly with the service provider Dental Tech Group by calling 01-4551866

Your policy number will be on any correspondence from DeCare Dental. You can check your member portal here, alternatively email DeCare Dental (query@decaredental.ie) or call us on 094 9378608.

The Emergency Teledentistry service is being provided by the Dental Tech Group.

In the event that a prescription is a part of the outcome of the appointment, Dental Tech Group will send it directly to your chosen pharmacy

In the event that you should attend a dentist following the emergency teledental appointment you can:

1. Attend your own dentist
2. Find a dentist in your area using the DeCare Dental Dentist Finder
3. Attend Dental Tech Group in person if the location (Terenure, Dublin) suits you