Terms of Business

About DeCare Dental Insurance Ireland DAC

DeCare Dental Insurance Ireland DAC is registered in Ireland, number 383762 with a postal address and registered office of the Industrial Estate, Claremorris, Co. Mayo.

We bring you a comprehensive offering of dental insurance products and services. DeCare has been underwriting dental insurance products in Ireland since 2004 and insures more corporate and individual members than any other brand.

Our ultimate parent company is DeCare Dental LLC, a company incorporated in the United States of America. DeCare Dental Insurance Ireland is a subsidiary of DeCare Dental LLC an experienced global dental benefits company that supports over 9 million members worldwide.

DeCare Dental Insurance Ireland DAC is subject to the Consumer Protection Code 2012 which offers protection to consumers. The Code can be found on the Central Bank website, www.centralbank.ie.

DeCare Dental Insurance Ireland DAC trading as DeCare Dental is regulated by the Central Bank of Ireland.

How to contact DeCare Dental Insurance Ireland DAC

Please phone 094 937 8608 for claims or benefit queries or log onto our website at www.decare.ie

Customer service

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.

Payment Options

Payments can be made monthly or annually by debit or credit card. If there is a company salary deduction arrangement in place with your employer you may avail of this payment by installment facility. With DeCare Dental Insurance Ireland DAC you will not pay any surcharges on installment payments. The price is the same whether you pay monthly or yearly.

Changes to terms of membership

We may for legal or other reasons make any changes to the terms of your membership of the scheme and your premiums at any time if we are required to do so by law. We will write to tell you about any such change as soon as is reasonably practical and you may end your membership of the scheme within 14 days of us telling you about the change. If as a consequence you end your membership, we will refund any premiums that you have paid for the period after your membership ends

Cooling off Period

A consumer has the right to withdraw from an insurance policy within 14 days of the start date of the policy without penalty and without giving any reason – 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 14 days of receiving the Policy Confirmation (or for renewal, within 14 days of your policy renewal date) and a full refund will be given provided you have made no claim in respect of these 14 days.

Termination of cover

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 on the anniversary date of the policy or as described in the “Changes to terms of membership” section on the change by us of any of the terms and conditions set out in this rules booklet and your Table 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 Table of Benefits).We reserve the right to terminate the policy, in whole or in part, at any time. 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

Our policy on defaults by the customer

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.

Premium Rebates

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

Our complaints procedure

We strive to provide first class service at all times, 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:

In the first instance the policyholder should write to the Customer Services Manager at:

DeCare Dental Insurance Ireland DAC
IDA Business Park
Co. Mayo

If dissatisfied you are entitled to use the services of the:
Financial Services Ombudsman
3rd Floor
Lincoln House
Lincoln Place
Dublin 2
LoCall: 01 567 7000.

Alternatively the policyholder may contact:
Information Services
Irish Insurance Federation
39 Molesworth Street
Dublin 2
Tel: 01 676 1820.

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.

Data Protection

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). 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. 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, IDA Business Park, Claremorris, Co. Mayo.

Conflict of Interests

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 a) 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 b) ensure that the conflict does not result in damages to the interests of the consumer.

Governing Law

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.

Legal requirements

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 Table 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 has been compiled for your protection.

Effective Date of Document: November 2013