Members’ FAQ

For claims information contact our dedicated customer service team on 094 937 8608
(Lines are open from Monday to Thursday 08.30am to 17.00pm, Friday 8.30am to 16.00pm.)

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.

As exclusions may apply to some treatments, we may need more information. For example, in the case of crowns, we need to know the reasons why crowns were placed and the date of treatment. For dentures, bridges and implant crowns we need to know the extraction date for the tooth or teeth being replaced.

This information is contained in the dental clinical record held by your dentist. Data Protection legislation entitles you to request and receive a copy of your full original dental clinical record, including any x rays from your dentist. Submit this information along with your claim form when claiming for any of these procedures.

The dental clinical record contains the date, diagnosis and treatment notes of every time you attended your dental surgery, with full details of the treatment carried out on the teeth which are the subject of your dental claim. The dental clinical record should also contain the clinical findings as the treatment proceeds.

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. Visit for details on what treatments qualify for tax relief.

All policies are provided on an annual basis, regardless of the method or frequency of payment chosen. Policies may not be cancelled or altered mid-term. A policyholder can change Insurance Product, add or remove dependants or cancel his/her policy at annual renewal stage only. You do have a 14 day cooling-off period, during which you are legally entitled to cancel your policy. If we receive your instruction within 14 days of the date of you taking out cover, or the date you receive your policy documents (the cooling-off period), whichever is later, we will return your premium less a pro-rata premium for the period for which you have been covered for.

Crowns, inlays and onlays are covered on some of our plans, e.g Healthy Smiles Level 3 & 4 cover crowns at 60%, following an initial wait period of 12 months. They are specifically covered when the tooth has decay, fracture or when the tooth has been root canal treated. They 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.

Dentures, bridges and implant supported crowns are covered on some of our plans, e.g Healthy Smiles Level 3 & 4. They 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.

If you were covered under a prior DeCare Dental policy without a break in coverage, then the waiting periods that you have fulfilled on that previous policy shall be taken into account when calculating your new periods. For example, If you upgrade your policy at renewal stage from Healthy Smiles Level 2 to Level 3 or 4, you will be entitled to a 3 month credit off the waiting period for your new policy. As you have no waiting periods for treatments covered by Healthy Smiles Level 1, you will not be entitled to carry any credit forward onto an upgraded policy. If there has been a break in coverage between policies, the waiting period will remain as specified on the new plan, from its effective date.