Terms of Business

DeCare Dental Insurance Ireland DAC is a designated activity company, registered in Ireland, under registration number 383762 with a postal address and registered office of Unit 10a, Lakeside Retail Park, Ballindine Road, Claremorris, Co. Mayo, F12 V089, Ireland.

We offer a comprehensive suite of dental insurance products and services. DeCare has been underwriting dental insurance products in Ireland since 2004.

DeCare Dental Insurance Ireland DAC is a subsidiary of DeCare Dental LLC, an experienced global dental benefits company that serves 6.5 million members worldwide.

DECARE DENTAL LLC, DeCare Dental Insurance Ireland DAC’s immediate parent undertaking, is a limited liability company incorporated in the USA.

ELEVANCE INC, DeCare Dental Insurance Ireland DAC’s ultimate parent undertaking, is a publicly quoted company trading on the New York Stock Exchange, incorporated in the USA.

DeCare Dental Insurance Ireland DAC trading as DeCare, DeCare Dental and DeCare Vision is regulated by the Central Bank of Ireland and subject to the following Codes of Conduct: Consumer Protection Code, Corporate Governance Code, the Minimum Competency Code, the Individual Accountability Framework and the Fitness and Probity Standards. These codes offer protection to consumers and can be found on the Central Bank website: www.centralbank.ie.

• By phone: 094 937 8608 (claims or benefit queries)
• By email: query@decaredental.ie (claims or benefit queries)
• Via our website: www.decare.ie , our app through Play Store or App Store
• Written correspondence: DeCare Dental Insurance Ireland DAC, Unit 10a, Lakeside Retail Park, Ballindine Road, Claremorris, Co. Mayo, F12 V089.

We will make every effort to provide you with an excellent level of customer service over the period of the insurance contract. We will endeavour to deal with any claim fairly and efficiently, within the terms of the contract.

Under the Consumer Protection Code 2025, your policy will only be automatically renewed if you provide consent to do so. In the event you provide DeCare with opt in consent ,your policy will automatically renew annually if you do not cancel the automatic renewal.

At any time, you may choose to opt out of the automatic renewal, free of charge, by contacting us via email query@decaredental.ie or 094 93 78608.

This applies only in the instance where you, as an individual, chose the policy and /or directly pay the premium of your policy to DeCare.

*This applies to new contracts entered into after the 24th March 2026 and to the renewal of these contracts.

We will send advanced notification of your renewal at least 30 days before your policy renewal date, as required by the Central Bank of Ireland Consumer Protection Code 2025

Whereby you purchase a policy through the website, a right of withdrawal (a “cooling off”) period applies, DeCare shall contact you at least 3 working days, but no more than 7 working days, prior to the expiry of the withdrawal period, to remind the you of your rights of withdrawal, the date on which this right expires, and how you can exercise this right.

The annual renewal of your policy will take place annually during the month prior to the policy’s renewal date. The Rules – Terms and Conditions and Schedule of Benefits which you receive at your renewal date will then apply to your policy. For policies paid directly by your employer or policies where premium is deducted from your salary, which is facilitated through your employer, your first period of insurance is determined based upon the date your employer subscribed for coverage for you and the renewal date for that coverage will be the renewal date of your employer’s policy. 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.

As a consumer, you have the right to cancel your policy without penalty and without giving any reason within 14 days of the date of you taking out cover or 14 days from the date you receive your policy documents, whichever is the latter. This is known as the cooling off period. If you decide that you do not want to accept the policy (or any future renewal of the policy by us) tell us of your decision in writing using the contact details provided on this document within the 14 day cooling off period. We will refund the premium you have paid and will recover from you any dental benefit that we have paid.

Your cover and that of your eligible dependants will cease on the earliest of the following dates:

1. On the date listed on any cancellation notice confirming your policy is terminated or cancelled.
2. On the date you fail to pay the required policy payments.
3. You cease to be eligible.

The policy may be cancelled by the policy holder within the 14-day cooling off period, on the anniversary date of the policy or in accordance with clause 23 & 24 of the general conditions in the Terms & Conditions Booklet, by us- on the change of any of the terms and conditions set out in the Terms & Conditions Booklet and your Schedule of Benefits.

If you terminate cover prior to your anniversary date of the policy other than in accordance with the clause in the “Changes to terms of membership section”, any premium amount paid will not be refunded and a breach fee of €40 will be charged to cover our administration costs.

The policy may be cancelled by us at any time if the policyholder fails to make the required premium payments or to comply with the terms of the policy.

If a policyholder terminates cover at renewal stage, he/she will be allowed to enroll 12 months after the termination date subject to the “waiting periods” (if applicable in your Schedule of Benefits).We reserve the right to terminate the policy, in whole or in part, at any time during the period of insurance if you or your insured dependents breach the terms and conditions of your policy. Termination of the policy will result in loss of benefits for all insured persons. If the policy is terminated, the rights of the insured persons are limited to expenses in respect of covered services incurred before termination.

DeCare Dental Insurance Ireland DAC would like to draw your attention to the fact that should you fail to make any payments within the required or agreed time, fail to provide any documents or information which we have requested, act dishonestly or not within the terms of contract or agreement, DeCare Dental Insurance Ireland DAC may having provided either directly or through our intermediary prior written or verbal warnings/ reminder notices, cancel the policy, not process any claims, require you to repay any previous claims which have been paid out, repay any arrears which are due on your account or pay costs incurred by us as a direct result of your action.

If a change to a customer account result in a premium refund/shortfall of less than or equal to €10 no charge/refund will be made due to the administration costs involved.

DeCare shall provide to a consumer any premium rebate that is due from DeCare to the consumer within 10 working days of the rebate becoming due.

We strive to always provide first class service, however, in the event of any complaint regarding the standard of services received under your policy, the following procedure is available to resolve the situation:

Lodging a complaint

You can lodge a complaint via:

• Phone: 094 93 78608
• Email: query@decaredental.ie
• Writing:

DeCare Dental Insurance Ireland DAC
Unit 10a, Lakeside Retail Park
Ballindine Road
Claremorris
Co. Mayo.

Complaint Handling

• Once the complaint is received, we will aim to resolve your complaint as efficiently and expeditiously as possible.
• We will investigate the complaint thoroughly and impartially.
• In the event we cannot resolve the complaint within 5 business days, we will acknowledge receipt of the complaint in writing. The acknowledgement will include:

1. the name and contact details of the person handling the complaint,
2. where a consumer can refer the matter to a relevant ombudsman, and the contact details of the relevant ombudsman.

• We will provide you with a regular update, on paper or on another durable medium, on the progress of the investigation of the complaint at intervals no greater than 20 business days, starting from the date on which the complaint was received;
• We strive to resolve all complaints within 40 business days of having received the complaint.
• Where 40 business days have elapsed and your complaint is not resolved, we will inform you of the anticipated timeframe within which we hope to resolve your complaint and your right to refer the matter to the Financial Services and Pensions Ombudsman and contact details of same will be provided.
• Within five business days of the completion of the investigation, we will advise you on paper or on another durable medium of:

i) the outcome of the investigation;

ii) where applicable, the terms of any offer or settlement being made;

iii) that the consumer can refer the matter to the relevant Ombudsman, and

iv) the contact details of such Ombudsman.

If dissatisfied, you are entitled to use the services of the:

The Financial Services and Pensions Ombudsman
3rd Floor
Lincoln House
Lincoln Place
Dublin 2
Ireland.
Phone: 01 567 7000.
Email: info@fspo.ie
Website: www.fspo.ie

Alternatively, the policyholder may contact:

Information Services
Irish Insurance Federation
39 Molesworth Street
Dublin 2
Ireland.
Tel: 01 676 1820.
Email: feedback@insuranceireland.eu
Website: www.insuranceireland.eu/consumer-information

This service can advise on how to proceed further and may help in resolving the problem. Taking any of these options will not prejudice the policyholder’s rights to legal proceedings.

We hold and use personal data and sensitive personal data such as medical information for the purposes of providing and administering dental insurance products. We are registered as a Data Controller with the Office of the Data Protection Commissioner. In order to administer the dental insurance products which, we provide, it is necessary for us to send your data outside of the EU to our parent company based in the USA, but such data will continue to be safe guarded in accordance with the standards and principles set out in the EU General Data Protection Regulation (GDPR) and the Irish Data Protection Act 2018. We may share your personal data and sensitive personal data with your Dentist insofar as it is relevant to the processing of your claim. We may also share your personal data with our bank for the purpose of processing the payment of your claim. We may also share your data with other insurers to verify your cover. We may share your data with trusted third parties for the purpose of distributing policy documentation and other communications, such as letters, direct mail, emails etc. We may share your information with our parent company and other group companies for the purpose of processing the payment of your claim and efficient administration such as audit, systems development etc. We may share your personal data and sensitive personal data with our legal advisers and the appropriate authorities where necessary e.g. the Dental Council, An Garda Síochána and in relation to personal data with the Revenue Commissioners. We may share your personal information and anonymised information for the purposes of health services research for projects approved by the Data Protection Commissioner. DeCare Dental processes your personal data in accordance with applicable law. For more information on the processing of your personal data please see our Privacy Statement available on our website.

If you have a query in relation to the data held about you or you wish to request a copy of the data held by DeCare about you, please write to The Data Protection Officer, DeCare Dental Insurance Ireland DAC, Unit 10a, Lakeside Retail Park, Ballindine Road, Claremorris, Co. Mayo.

DeCare Dental Insurance Ireland DAC will always seek to avoid conflict of interest. Where conflicts of interest arise and cannot be reasonably avoided, DeCare Dental Ireland Insurance DAC will:

• disclose the general nature and /or source of the conflicts of interest to the consumer and only undertake business with or on behalf of a consumer where there is directly or indirectly a conflicting interest, where that consumer has acknowledged on paper or on another durable medium, that he or she is aware of the conflict of interest and still wants to proceed; and
• ensure that the conflict does not result in damages to the interests of the consumer

Section 8 (7) (a) of the Consumer Insurance Contracts Act 2019 (*revised) acknowledges:

The consumer shall be under a duty to answer all questions posed by the insurer honestly and with reasonable care (the test of reasonable care being by reference to that of the average consumer).

You must answer all questions posed by DeCare Dental Insurance Ireland honestly and with reasonable care. Failure to respond truthfully and honestly may result in any of the following consequences: DeCare’s contract with you being rendered void; the non-payment of a claim by DeCare Dental Insurance Ireland DAC or the payment of a reduced amount sought under a claim.

Section 14 (4) of the Consumer Insurance Contracts Act (which has the same meaning as in section 8, listed above), acknowledges the duty of the consumer at renewal stage:

The consumer shall be under a duty to respond honestly and with reasonable care, to any requests by the insurer at the renewal of the contract of insurance and, if the consumer does not provide any new information in response to the insurer’s request and where the consumer continues to pay the renewal premium, it shall be presumed that the information previously provided has not altered.

DeCare Dental records all telephone calls, inbound and outbound, for training and future verification purposes. All data captured by these facilities is managed in accordance with the Data Protection Acts.

Your contract is governed by the laws of the Republic of Ireland and the Irish Courts have jurisdiction to hear any disputes that may arise.

While every care has been taken to ensure that all information contained on this website is accurate and correct, DeCare Dental Insurance Ireland DAC cannot be held responsible for any inaccuracies contained therein. You hereby acknowledge that any reliance upon any materials found on this website shall be at your sole risk. Full details of our products and any cover under any policies you may have may be found on your policy documents. If you need our help, contact us directly. Information provided may be changed or updated without notice.

Please note that these Terms of Business are a summary document that has been complied for your protection. It needs to be read in conjunction with the “Rules- Terms and Conditions” and the Schedule of Benefits which are specific to your policy.

We, at DeCare Dental Insurance Ireland DAC, value your business and thank you for taking the time to read this document. The Terms of Business have been compiled for your protection.

Effective Date of Document: 24 March 2026