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Dental Care Plan Emergency Cover

What happens if I have an emergency

If you have an unexpected emergency at home, such as an accident or toothache in normal circumstances you should ring emergency number:

Home 0151 259 4104

If you are away from home, membership plan allows you to call the dental helpline will put you in touch with a dentist will help:

UK 0800 525631

If you are overseas when you need help the dental helpline will endeavour to find an English-speaking dentist to assist you. In circumstances please ring our helpline:

Abroad +44 1747 820841

How do I claim under the cover?

If you are away from home and have to see a dentist in an emergency, you should receive the temporary treatment necessary to you render you in a comfortable condition. You pay that dentist and ask for a written receipt and details of treatment carried out. On your return home, we will help you complete a claim form and forward this to DPAS, who administer our plan.

We will also help you fill in a claim form you need treatment for a dental injury treatment. If the treatment is likely to cost more than £175 (and thus require prior authorisation from DPAS) we will provide a costed treatment plan. An assessment by an independent dentist may be requested before this permanent treatment authorised.

Policy Summary

This summary is a brief description of your Dental Injury and Emergency Insurance, which is underwritten by ACE European Group Limited. It does not contain the full terms and conditions, which are enclosed on a separate document.

What is this Insurance?

This policy provides you with cover towards costs incurred as a result of dental accidents and emergencies. It includes cover towards the costs of temporary dental treatment as a result of a dental emergency when away from home or abroad, and cover towards permanent dental treatment following a dental injury. It also covers payment of out-of hours fees to dentists when required to open their dental surgery to treat you in an emergency. There is also a hospital cash benefit payable when you are under the care of a dental or oral/maxillo facial surgeon and a cash benefit in the event of diagnosis of mouth cancer.
For a child under the age of 18 years suffering dental injury whilst enrolled as a continuing care patient, any treatment required for that particular dental injury will be covered up to the age of 18 years or up to 5 years from the date of the accident, whichever is attained later.
Full details of the benefits and their limits, cover and payable terms are enclosed, or are available from your practice.

What if I have a complaint?

If you are dissatisfied with the service we have provided in relation to the Dental Injury and Emergency Insurance, or if you feel we have made a wrong decision, please contact DPAS on 01747 870910. If you are still not satisfied, please contact the A&H Customer Service Manager, ACE European Group Limited, 200 Broomielaw, Glasgow G1 4RU, telephone: 0845 841 0056, facsimile: 01293 597376, email: A&Hcustserv.complaints@ace-ina.com. providing your name, address and policy details. Ace is a member of the Financial Ombudsman Service, so if your complaint still remains unresolved, you are entitled to approach the Financial Ombudsman for assistance at South Quay Plaza, 183 Marsh Wall, London, E14 9SR Tel: 0845 080 1800 Fax: 02027 964 1001 Website: www.financial-ombudsman.org.uk. A leaflet explaining its procedure is available on request. These complaints procedures do not affect your legal rights.

For how long am I covered?

Your policy continues for as long as you pay your monthly premiums.

More information

Treatments following dental injury
Up to £10,000 per calendar year.
To assist with the cost of treatment after a dental accident. Treatment limits apply.

Temporary emergency dental treatment in the UK and abroad
Up to £844.20 per year. Up to £422.10 per incident.
Payment towards temporary emergency treatment when away from your own dentist. Treatment limits apply.

Out of hours consultation for dental emergency or dental injury
Pays a call out charge to a dentist who opens their surgery to treat you in a dental emergency (Weekends, bank holidays and 6pm to 8am weekdays).

Hospital cash benefit
£65 a night when staying overnight in a hospital under the care of a dental or oral / maxillo facial surgeon.

Mouth Cancer Benefit
£1,000 payable when first diagnosed by a qualified dentist or doctor

What are the main exclusions of the Supplementary Insurance?

Dental injuries resulting whilst participating in boxing or rugby unless appropriate mouth protection is worn.
You can find more information in section 1 of the policy document.

You can find more information in section 1 of the policy document.

Permanent treatment in a dental emergency
You can find more information in section 2 of the policy document.

Emergency treatment provided by your own dentist or a dental specialist acting on your dentists behalf
You can find more information in section 2 of the policy document.

Mouth cancer diagnosed before joining the dental plan
You can find more information in section 4 of the policy document.

In the unlikely event of ACE being unable to meet its liabilities, you may be entitled to compensation under the Financial Services Compensation Scheme. Its contact details are: 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN Fax: 020 7892 7301

How do I cancel?

If you ever find that you want to end the arrangement, you can do so simply by giving us one month’s notice.

Administered by DPAS Ltd, authorised and regulated by the Financial Services Authority. Accident and Emergency Insurance cover is underwritten by ACE European Group Limited, authorised and regulated by the Financial Services Authority.