Best PMI for Dental & Optical Cover UK 2025
Finding the right private medical insurance in the UK can feel complex, but understanding the value-added extras makes all the difference. As an FCA-authorised broker that has helped arrange over 800,000 policies, we at WeCovr know that benefits like dental and optical cover are often the most used and appreciated parts of a policy. This guide breaks down the best PMI for dental and optical cover in 2025, helping you see the real value beyond just hospital stays.
Which plans add the best value extras?
In 2025, the best private medical insurance (PMI) plans are no longer just a safety net for major surgery. They have evolved into comprehensive health and wellness packages. The providers that truly stand out are those offering valuable, everyday benefits that help you stay healthy, not just treat you when you're ill.
While core cover for hospital treatment remains the foundation, the real difference in value often lies in the optional extras. These typically include:
- Dental and Optical Cover: Helping with the costs of check-ups, treatments, and new eyewear.
- Mental Health Support: Access to therapy and counselling, often with digital options.
- Virtual GP Services: 24/7 access to a doctor via phone or video call.
- Wellness and Rewards Programmes: Incentives for healthy living, like gym discounts or cashback.
This article will focus primarily on dental and optical benefits—often the most tangible and frequently used extras—to help you decide which PMI plan offers the best overall value for your money.
Understanding Dental & Optical Cover in UK PMI
When you add dental and optical benefits to a private health cover plan, it doesn't usually function like the core insurance itself. Instead of covering in-patient hospital treatment, it's designed to help with the routine costs of maintaining your oral and visual health.
There are two main ways this cover is provided:
- Cashback Benefits: This is the most common model. You visit any dentist or optician, pay for your treatment or new glasses upfront, and then submit the receipt to your insurer. They then "cash back" a portion or all of the cost, up to a set annual limit. For example, a plan might offer "100% cashback up to £250 per year for routine dental".
- Insurance Add-on Modules: Some insurers offer a more structured insurance module for an additional premium. This might have different levels of cover, distinguishing between routine care (check-ups, scale and polish) and major treatment (crowns, bridges). These can sometimes offer higher limits but may come with more specific rules about which treatments are included.
What's Typically Covered?
| Covered by Most Plans | Often Covered (Check Policy) | Usually Excluded |
|---|---|---|
| Routine dental check-ups | Fillings and extractions | Cosmetic dentistry (e.g., teeth whitening) |
| Scale and polish (hygienist) | Crowns, bridges, and dentures | Orthodontics (braces) for adults |
| Eye tests | New glasses or contact lenses | Pre-existing dental or optical issues |
| Dental X-rays | Emergency dental treatment | Dental implants (unless specified) |
Critical Information: Standard UK private medical insurance, including any dental and optical add-ons, is designed for acute conditions that arise after you take out the policy. It does not cover chronic or pre-existing conditions. If you needed a root canal before you bought the policy, it will not be covered.
The NHS Reality Check: Why More People Seek Private Options
The NHS is a national treasure, but it is under immense pressure, particularly in dentistry. This strain is a key reason why many people now consider private options for their routine care.
According to a 2023 House of Commons briefing paper, a staggering 90% of UK dental practices were not accepting new adult NHS patients. This has created "dental deserts" in many parts of the country, leaving people with little choice but to pay for private treatment or face long waits.
- Finding a Dentist: The difficulty in simply registering with an NHS dentist is a major driver for private cover.
- Waiting Times: While urgent care is prioritised, waiting times for routine NHS appointments and non-urgent treatments can be lengthy.
- Cost of Private Treatment: Without insurance, private dental care can be expensive. A routine check-up can cost £50-£120, a white filling £100-£250, and a crown upwards of £600. A PMI cashback benefit can significantly soften this financial blow.
These challenges highlight why a PMI plan with a good dental and optical add-on is seen as such a valuable investment by many UK households.
Top UK PMI Providers for Dental & Optical in 2025: A Detailed Comparison
Choosing the best PMI provider depends on how their extras align with your needs. Here’s a breakdown of what the leading UK insurers offer for dental and optical care.
Aviva Healthier Solutions
Aviva offers a straightforward "Dental and Optical" add-on that can be bolted onto their Healthier Solutions policy. It operates on a cashback basis and is a popular choice for its simplicity.
Key Features:
- Combined Limit: The benefit provides a single annual limit that you can use across both dental and optical expenses.
- Levels of Cover: You can typically choose from different levels, allowing you to pay for a limit that suits your expected needs.
- Clear Exclusions: Aviva is clear that cosmetic treatments are not covered. The focus is on routine maintenance and necessary treatments.
Example Aviva Dental & Optical Benefit Levels
| Benefit Level | Annual Limit | What it could cover |
|---|---|---|
| Level 1 | £250 | An annual dental check-up, a hygienist visit, and a contribution towards an eye test and new glasses. |
| Level 2 | £500+ | All of the above, plus cover for a filling or other minor restorative work. |
This flexible approach allows you to decide where to spend your annual allowance, whether it's mostly on dental care one year or new glasses the next.
AXA Health Personal Health
AXA Health takes a pure cashback approach with its "Dentist and Optician Cashback" option. It's not a separate insurance module but a simple reimbursement benefit you can add to your core policy.
Key Features:
- Percentage-Based Cashback: AXA will typically refund 80% of your costs up to your chosen annual limit. This co-payment model encourages you to be mindful of costs while still providing significant support.
- Separate Limits: Unlike some insurers, AXA often provides separate annual limits for dental treatment, dental emergencies, and optical expenses. This can be beneficial if you know you'll need cover in all three areas.
- Simplicity: The process is very straightforward: pay your bill, upload the receipt via their app or online portal, and receive the cashback.
Example AXA Cashback Structure
| Benefit | Annual Limit | Cashback Rate | Example Claim |
|---|---|---|---|
| Routine Dental | £300 | 80% | You pay £90 for a check-up & polish. AXA refunds £72. |
| Optical | £200 | 80% | You pay £250 for new glasses. AXA refunds £160 (80% of £200). |
| Dental Accident | £600 | 100% | You need urgent treatment after an accident. AXA refunds the full cost up to £600. |
Bupa By You
Bupa offers one of the most comprehensive and customisable dental options, which can be added to their "Bupa By You" plan. They also offer a separate, more limited optical benefit.
Key Features:
- Tiered Dental Insurance: Bupa provides dedicated dental insurance add-ons, often called "Dental Cover 10" and "Dental Cover 20". These are more than just cashback plans; they are structured insurance policies.
- Cover for Major Treatment: Bupa's higher-tier dental plans can include cover for more significant work, such as crowns, bridges, and even non-cosmetic implants, which is a major differentiator.
- Separate Optical Benefit: Optical cover is usually a simpler cashback benefit for eye tests and eyewear, keeping it separate from the more complex dental insurance.
Bupa Dental Cover Comparison
| Feature | Dental Cover 10 (Example) | Dental Cover 20 (Example) |
|---|---|---|
| Routine Care | 100% cover for check-ups, X-rays, scale & polish | 100% cover for check-ups, X-rays, scale & polish |
| Restorative Work | 75% cover for fillings, root canals, extractions | 75% cover for fillings, root canals, extractions |
| Major Work | Not covered | 75% cover for crowns, bridges, dentures, implants |
| Annual Limit | ~£700 | ~£1,500 (plus separate orthodontic & accident limits) |
Bupa is often the best choice for those who anticipate needing more than just routine dental care.
Vitality Personal Healthcare
Vitality is famous for its unique wellness-driven model, and its dental and optical cover is no exception. While they offer a traditional add-on, its full value is unlocked by engaging with their "Vitality Programme".
Key Features:
- Integrated Cover: The "Optical, Dental & Hearing Cover" is an optional add-on that provides cashback for all three areas.
- Wellness Boosts: By tracking your activity and earning Vitality points, you can boost your cashback. For example, you might get 80% cashback as standard, but by reaching "Platinum" status, this could be boosted to 100% at no extra cost.
- Partner Rewards: Vitality also has partnerships with opticians like Specsavers, offering discounts or cashback on eyewear, sometimes separate from your main policy limits.
This makes Vitality an excellent choice for active individuals and families who are motivated by rewards and want their healthy lifestyle to pay them back directly. A broker like WeCovr can help model the potential savings based on your lifestyle.
Overall Provider Comparison Table
| Provider | Type of Cover | Routine Dental | Major Dental | Optical Benefit | Key Feature |
|---|---|---|---|---|---|
| Aviva | Cashback Add-on | Yes, within a combined limit | Limited, for basic work only | Yes, within a combined limit | Simple, flexible combined pot of money. |
| AXA Health | Cashback Add-on | Yes, with separate limit (e.g., 80% cashback) | Limited, often excluded | Yes, with separate limit (e.g., 80% cashback) | Clear, separate limits for dental and optical. |
| Bupa | Insurance Add-on | Yes, full cover | Yes, significant cover on higher tiers (inc. implants) | Simpler cashback benefit | Most comprehensive cover for major dental work. |
| Vitality | Cashback Add-on | Yes, cashback can be boosted by activity | Limited, for basic work only | Yes, cashback and partner discounts | Rewards healthy living with better benefits. |
Is a Standalone Dental Plan a Better Choice?
While adding dental cover to your PMI is convenient, it's worth considering if a separate, standalone dental insurance plan might be a better fit.
PMI Add-On: Pros & Cons
- Pros:
- Convenience: One provider, one monthly payment.
- Value: Can be very cost-effective for routine care.
- Simplicity: Cashback models are easy to understand and use.
- Cons:
- Lower Limits: Annual limits might not be enough for extensive treatment.
- Exclusions: Often excludes major work like implants and orthodontics.
- Tied to PMI: You can't keep the dental cover if you cancel your main health insurance.
Standalone Dental Plan: Pros & Cons
- Pros:
- Higher Limits: Designed specifically for dental, so annual limits are often much higher (£2,000+).
- Comprehensive Cover: More likely to include major restorative work, implants, and even adult orthodontics.
- Independent: Not tied to a PMI policy. You can buy it on its own.
- Cons:
- More Expensive: Can cost more than a PMI add-on.
- Waiting Periods: Often have a 3-6 month waiting period before you can claim for major treatment.
- More Admin: Another policy and provider to manage.
Conclusion: For most people who just want help with check-ups, hygienist visits, and the occasional filling, a PMI add-on offers fantastic value and convenience. If you have a history of dental problems or anticipate needing major work like crowns or implants, a standalone plan may be the more robust choice.
Beyond the Smile and Spectacles: Other PMI Extras That Add Real Value
A great PMI policy in 2025 is a complete health partner. While dental and optical are important, don't overlook these other valuable benefits that can significantly enhance your wellbeing.
- Mental Health Support: This is now a cornerstone of modern PMI. Most top-tier plans include access to a set number of counselling or therapy sessions without needing a GP referral. Many also offer access to digital mental health apps like Headspace or digital Cognitive Behavioural Therapy (CBT) courses.
- 24/7 Virtual GP: The ability to speak to a GP via phone or video at any time of day is a game-changer for busy people and families. It saves you waiting for an NHS appointment and allows for quick prescriptions, specialist referrals, and peace of mind.
- Wellness and Reward Programmes: Vitality pioneered this, but other insurers are following suit. These programmes reward you for being active with cinema tickets, free coffee, and even discounts on your premium. They actively encourage a healthier lifestyle.
- Health Screenings: Many policies offer access to regular health screenings. These can help detect potential issues like high cholesterol, diabetes, or early signs of cancer long before symptoms appear.
When you purchase PMI or Life Insurance through WeCovr, you also get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, further supporting your health goals. Plus, clients often receive discounts on other types of cover, like home or travel insurance, creating a bundle of savings.
How to Choose the Right Plan for You: A Step-by-Step Guide
- Assess Your Needs: Think about yourself and your family. Do you wear glasses? Do you have children who might need orthodontics (note: this is rarely covered by standard PMI)? What's your general dental health like? Your answers will determine whether a basic cashback plan or a more comprehensive insurance module is better.
- Set Your Budget: Core PMI policies can start from as little as £30 a month, but adding comprehensive extras will increase the premium. Decide what you can comfortably afford and prioritise the benefits that matter most to you.
- Compare the Market: The private medical insurance UK market is competitive, and prices and benefits vary widely. The only way to ensure you're getting the best value is to compare quotes from multiple providers.
- Use an Expert Broker: This is where a specialist PMI broker adds huge value. An independent, FCA-authorised firm like WeCovr can compare the entire market for you, explain the jargon, and highlight the subtle differences between policies. This service is provided at no extra cost to you, as brokers are paid by the insurer you choose.
- Read the Fine Print: Before you sign, make sure you read the policy documents. Pay close attention to the list of exclusions, the annual limits for each benefit, and any excess you might have to pay.
Does PMI cover pre-existing dental conditions?
Is cosmetic dentistry like teeth whitening or veneers covered?
How much does a dental and optical add-on cost per month?
Can I use any dentist or optician I want?
Choosing the right private health cover is a significant decision. By looking beyond the core hospital cover and focusing on the everyday value offered by extras like dental and optical benefits, you can find a plan that truly supports your health and wellbeing all year round.
Ready to find the private medical insurance that fits your life and budget? Get a free, no-obligation quote from WeCovr today and let our experts guide you to the perfect plan.
Why private medical insurance and how does it work?
What is Private Medical Insurance?
Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.How does it work?
Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment
Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.
Questions to ask yourself regarding private medical insurance
Just ask yourself:👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?
Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.
Benefits offered by private medical insurance
Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.
Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.
Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.
Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.
Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.
Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.
Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.
Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get private medical insurance early?
👉 Many people are very thankful that they had their private medical insurance cover in place before running into some serious health issues. Private medical insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
Our Group Is Proud To Have Issued 800,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!