Policies start from the 1st, 8th, 15th & 22nd of each month so your policy will become effective from the start date that you select. You can choose to select a date in the future if this is preferred. All of our plans provide immediate cover for preventive and investigative treatment so you can claim for exam visits and cleanings etc. from your policy start date. You should please refer to the individual plan details for full clarification on the level of cover provided for each plan.
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 instalments. 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.