Best UK PMI for Dental and Optical Cover
TL;DR
WeCovr compares insurers offering strong extras in 2025 As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr knows that when UK consumers look for private medical insurance, they want comprehensive peace of mind. While core PMI focuses on major medical events, many are now seeking cover for everyday health needs like dental check-ups and new glasses. This guide delves into the best UK private health cover options that include robust dental and optical benefits for 2025.
Key takeaways
- Consultations with specialists.
- Diagnostic tests like MRI and CT scans.
- Surgical procedures (e.g., hip replacements, hernia repair).
- Cancer treatment, including chemotherapy and radiotherapy.
- In-patient hospital stays in a private room.
WeCovr compares insurers offering strong extras in 2025
As an FCA-authorised broker that has helped arrange over 900,000 policies, WeCovr knows that when UK consumers look for private medical insurance, they want comprehensive peace of mind. While core PMI focuses on major medical events, many are now seeking cover for everyday health needs like dental check-ups and new glasses.
This guide delves into the best UK private health cover options that include robust dental and optical benefits for 2025. We'll break down how these 'extras' work, compare the leading providers, and help you decide if adding them to your policy is the right choice for you and your family.
First, What Exactly is Private Medical Insurance (PMI)?
Before we look at the extras, it's crucial to understand the main purpose of private medical insurance in the UK. Think of it as a health plan designed to cover the costs of private treatment for acute medical conditions. An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery.
This includes things like:
- Consultations with specialists.
- Diagnostic tests like MRI and CT scans.
- Surgical procedures (e.g., hip replacements, hernia repair).
- Cancer treatment, including chemotherapy and radiotherapy.
- In-patient hospital stays in a private room.
The primary benefit is speed and choice. PMI allows you to bypass NHS waiting lists, choose your specialist, and select a hospital that's convenient for you, often with more comfortable private facilities.
The Golden Rule: Pre-existing and Chronic Conditions Are Not Covered
This is the most important concept to grasp about standard UK PMI. It is not designed to cover:
- Pre-existing Conditions: Any illness, disease, or injury you had symptoms of, received advice for, or were treated for before your policy started.
- Chronic Conditions: Long-term illnesses that cannot be cured but can be managed, such as diabetes, asthma, arthritis, or high blood pressure. These remain under the care of the NHS.
Private health cover is for new, unexpected health problems that arise after you join.
Why Aren't Dental and Optical Benefits Included as Standard?
You might wonder why routine visits to the dentist or optician aren't part of a core PMI policy. The reason lies in the nature of insurance itself.
Insurance is designed to protect against unforeseen, unexpected events. A sudden need for knee surgery after a sporting injury is unexpected. However, a six-monthly dental check-up or an eye test every two years is a predictable, routine maintenance cost.
Because these are expected expenses, insurers separate them from the core policy. They offer them as optional add-ons, allowing you to build a plan that truly suits your individual needs and budget. This prevents everyone from having to pay for benefits they may not want or need.
What Does a Dental Add-on Typically Cover?
When you add dental cover to your PMI policy, it usually works on a reimbursement or 'cashback' model. You pay your dentist for the treatment and then claim the cost back from the insurer, up to an annual limit.
Cover is often split into levels or categories:
| Treatment Category | Description | Common Annual Limit |
|---|---|---|
| Routine Care | Includes check-ups, scale and polish, hygienist visits, and X-rays. | £250 - £500 |
| Minor Restorative | Covers fillings, root canals, and emergency pain relief. | Included within overall limit |
| Major Restorative | For more complex work like crowns, bridges, dentures, and inlays. | £500 - £1,500+ |
| Accidental Injury | Covers treatment needed as a direct result of an external accident (e.g., a fall). | Often a separate, higher limit |
| Dental Emergencies | Provides cover for urgent treatment needed to alleviate severe pain. | £250 - £500 per incident |
It's vital to note that cosmetic dentistry, such as teeth whitening or veneers for aesthetic reasons, is almost always excluded.
How Does Optical Cover Work?
Optical cover is usually simpler than dental. It's designed to contribute towards the costs of maintaining your eye health. Typically, you get a fixed amount of money back each year for specific expenses.
Common Optical Benefits:
- Eye Tests: A contribution towards the cost of a sight test, usually every one or two years.
- Glasses & Contact Lenses: A fixed sum (£100 - £250 per year) you can claim towards the cost of new prescription eyewear.
This benefit is straightforward: have an eye test or buy new glasses, send the receipt to your insurer, and they'll refund you up to your annual limit.
The Best UK PMI Providers for Dental and Optical Cover in 2025
Several major UK insurers offer excellent add-ons for dental and optical care. The "best" one for you will depend on your budget, your family's needs, and whether you prefer a simple cashback model or a more interactive, rewards-based approach.
Here's a comparison of the leading providers. An expert PMI broker like WeCovr can provide detailed quotes and help you navigate the fine print of each policy at no cost to you.
| Provider | Dental & Optical Add-on | How It Works | Key Features |
|---|---|---|---|
| Bupa | Bupa Dental Cover & Optical Cover | Tiered dental plans (from routine to major) with set limits. Separate optical cashback. | Access to the huge Bupa Dental Care network. Direct settlement with many dentists. |
| AXA Health | Dentist and Optician Cashback | A simple cashback model. You choose a level of cover (£150 to £425) and claim back 100% of costs up to that limit. | Very straightforward and easy to understand. No complex tiers. |
| Aviva | Dental and Optical Benefit | A flexible add-on that can be added to your core 'Healthier Solutions' policy. Offers different levels of reimbursement. | Integrates with the Aviva DigiCare+ app. Straightforward claims process. |
| Vitality | Optional Dental Cover & Integrated Optical Rewards | A traditional dental add-on combined with a unique wellness programme for optical benefits. | Earn points for being active to get discounts and cashback at partner opticians like Specsavers. |
| The Exeter | Health Essentials (Cash Plan) | Can be bought alongside their 'Health+' PMI policy. It's a health cash plan that covers dental, optical, and therapies. | Simple cashback for everyday health costs. Known for excellent customer service and flexible underwriting. |
Let's explore each of these in more detail.
Bupa: The Established Network
Bupa is one of the most recognised names in UK health insurance. Their dental and optical offerings are comprehensive and well-structured.
- Dental: Bupa offers different levels, such as 'Dental Cover 10' and 'Dental Cover 20'. The higher the level, the more you can claim back for routine, restorative, and major dental work. A key advantage is their vast network of 'Bupa Dental Care' centres. If you use one of their dentists, they may be able to settle the bill directly, meaning you don't have to pay out of pocket (up to your benefit limits).
- Optical: This is a separate cashback benefit. You can claim a set amount (e.g., £150) per year towards the cost of eye tests, glasses, and contact lenses.
Best for: Individuals and families who value a large, established network and the convenience of direct settlement with dental practices.
AXA Health: Simplicity and Clarity
AXA Health's approach is refreshingly simple. Their 'Dentist and Optician Cashback' option avoids complex tiers and percentages.
- How it works: You select a total annual benefit amount when you take out your policy (e.g., Level 2 provides £425). You can then claim 100% of your dental and optical bills throughout the year until you reach that combined limit.
- Flexibility: This pot of money can be used for NHS or private treatment. You could use it all on a dental crown or spread it across eye tests, new glasses, and a dental check-up.
Best for: Those who want a no-fuss, easy-to-understand benefit. The flexibility to use the entire pot for either dental or optical is a major plus.
Aviva: The All-Rounder
Aviva provides a solid and reliable 'Dental and Optical Benefit' that you can add to its core 'Healthier Solutions' policy.
- Cover Levels: Like Bupa, Aviva offers different tiers of cover. You can choose a basic level for routine care or a more comprehensive option that includes significant contributions towards major dental work like bridges and crowns.
- Optical Benefit: The optical portion provides a fixed annual amount for tests and eyewear, similar to other insurers.
- Value-Add: All Aviva policyholders get access to their Aviva DigiCare+ app, which provides a range of digital health services, including mental health support and nutritional advice.
Best for: People looking for a customisable policy from a trusted, household name brand.
Vitality: The Innovative, Proactive Choice
Vitality has disrupted the UK private medical insurance market with its unique wellness-focused model. Their dental and optical benefits reflect this innovative approach.
- Dental: Vitality offers a conventional 'Dental Cover' add-on with different levels for routine and major treatments.
- Optical (The Vitality Difference): This is where it gets interesting. Instead of a standard cashback pot, Vitality links optical rewards to its 'Vitality Programme'. By tracking your physical activity (like steps and workouts) through a linked fitness device, you earn points.
- Achieve Active Rewards: Earning enough points unlocks partner benefits. For optical, this includes a free eye test at Specsavers and up to £100 off glasses or contact lenses, depending on your Vitality status.
- Gamified Health: This model actively encourages you to be healthier, rewarding you for your efforts.
Best for: Active individuals and families who are motivated by rewards and enjoy a 'gamified' approach to their health and wellbeing. If you're already going to the gym or tracking your steps, Vitality can be exceptionally good value.
The Exeter: The Flexible and Friendly Specialist
The Exeter has a strong reputation for its straightforward products and excellent customer service, particularly for the self-employed and older applicants.
- Health Essentials: Instead of a direct add-on, The Exeter offers a standalone 'Health Cash Plan' called Health Essentials. You can buy this alongside their 'Health+' PMI policy to create a comprehensive package.
- Cashback Simplicity: This plan provides simple cashback for a wide range of everyday health expenses, including dental check-ups, fillings, hygienist visits, eye tests, and glasses. You can also claim for therapies like physiotherapy and osteopathy.
Best for: Those who want a clear, predictable budget for all their routine healthcare costs, not just dental and optical. It's a great way to complement a core PMI policy.
Is It Worth Adding Dental and Optical Cover to Your PMI?
This is the key question. The answer depends on your personal circumstances. Let's look at a quick cost-benefit example for a family of four.
| Annual Healthcare Costs Without Cover | Estimated Cost |
|---|---|
| 4 x Private Dental Check-ups (@ £70 each) | £280 |
| 2 x Hygienist Appointments (@ £80 each) | £160 |
| 1 x Minor Filling | £150 |
| 2 x Eye Tests (@ £25 each) | £50 |
| 2 x Pairs of Glasses (@ £150 each) | £300 |
| Total Annual Out-of-Pocket Cost | £940 |
Now, let's consider the cost with cover.
Adding a mid-level dental and optical benefit to a family PMI policy might cost an additional £40 - £70 per month, which equates to £480 - £840 per year.
The Verdict: In this scenario, the family could break even or save money, especially if they need any unexpected treatment like a root canal or crown. The real benefit, however, is budget certainty. You pay a fixed monthly premium and know that your routine health maintenance is covered, removing the worry of a large, unexpected bill.
Alternatives to a PMI Add-on
- Standalone Dental Plans: Companies like Denplan or Bupa Dental offer plans directly through your dentist. These can sometimes offer higher limits for complex work but mean managing another policy and payment.
- Health Cash Plans: These are simple policies from providers like Benenden Health or Westfield Health that give you money back for a wide range of treatments. They are a great, affordable alternative if your main goal is to cover routine costs.
Beyond Insurance: Proactive Steps for Your Dental and Optical Health
Insurance is a safety net, but the best strategy is always prevention. Looking after your teeth and eyes day-to-day can save you money and discomfort in the long run.
Top Tips for Healthy Teeth and Gums
- Mind Your Diet: Sugary foods and drinks are the primary cause of tooth decay. Limit them, and opt for crunchy fruits and vegetables like apples and carrots, which help clean your teeth naturally.
- The Brushing Basics: Brush for two minutes, twice a day, with fluoride toothpaste. Don't forget to floss or use interdental brushes daily to clean between your teeth where a brush can't reach.
- Don't Skip Check-ups: Regular visits to your dentist and hygienist are essential. They can spot small problems before they become large, painful, and expensive ones.
- Avoid Smoking: Smoking is one of the biggest risk factors for gum disease and oral cancer. Quitting is the single best thing you can do for your oral and overall health.
Protecting Your Vision in a Digital World
Our eyes are working harder than ever, staring at screens for hours on end.
- The 20-20-20 Rule: To combat digital eye strain, every 20 minutes, look at something 20 feet away for at least 20 seconds. This helps your eye muscles relax.
- Eat for Your Eyes: A diet rich in vitamins C and E, zinc, and omega-3 fatty acids can help protect against age-related eye diseases like macular degeneration. Think leafy greens, citrus fruits, oily fish, and nuts.
- Wear Sunglasses: Protect your eyes from UV damage, which can contribute to cataracts. Choose sunglasses that block 99% or more of UVA and UVB rays.
- Get Regular Eye Tests: An eye test doesn't just check your prescription. It's a vital health check that can detect early signs of glaucoma, diabetes, and even high blood pressure.
How a PMI Broker Like WeCovr Can Help You Choose
The UK private health insurance market is complex. Each insurer has different policy terms, benefit limits, hospital lists, and underwriting methods. Trying to compare them all yourself can be overwhelming and time-consuming.
This is where an independent broker adds immense value.
- Expert Market Knowledge: At WeCovr, we live and breathe insurance. We understand the subtle differences between providers and can quickly identify the policies that best match your specific needs and budget.
- Personalised Advice: We take the time to understand what's important to you. Are you a young family needing maternity cover? Are you self-employed and worried about time off sick? Do you want a simple plan or one with wellness rewards? We tailor our recommendations to you.
- No Extra Cost: Our service is completely free to you. We are paid a commission by the insurer you choose, which is already built into the price of the policy. You get expert, impartial advice without paying a penny extra.
- Exclusive Perks: When you arrange your private medical insurance with WeCovr, you also get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero. Plus, you may be eligible for discounts on other policies, such as life or income protection insurance.
Our high customer satisfaction ratings are a testament to our commitment to finding the right cover for our clients, ensuring there are no nasty surprises when it's time to claim.
Ready to Protect Your Health from Head to Toe?
Choosing private medical insurance with the right dental and optical cover gives you comprehensive peace of mind. It ensures you can get fast access to high-quality care for major health issues while also helping you budget for the routine maintenance that keeps you smiling and seeing clearly.
Take the next step today. Contact WeCovr for a free, no-obligation quote. Our friendly experts will compare the UK's leading insurers to find the perfect private health cover for you.
Does private medical insurance cover pre-existing dental or optical conditions?
Can I buy dental and optical insurance without a full PMI policy?
How much does adding dental and optical cover to a PMI policy cost?
Is cosmetic dentistry, like teeth whitening, covered by these plans?
Related guides
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:
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