Implant Upgrade Cover. That s the world of Denplan for you.
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1 2016 Implant Upgrade Cover That s the world of Denplan for you.
2 98% of patients are satisfied with the service provided by the person at Denplan who dealt with their call* 2 *Denplan ServiceTick Customer Research Jan-Nov ,254
3 Did you know that we will pay up to 2,100 per implant if you have a qualifying claim and are clinically suited to implants *subject to terms and conditions Implant Upgrade Cover Why choose Implant Upgrade Cover? You already enjoy the peace of mind that dental injury and dental emergency cover is included as part of your dental plan. However by adding Implant Upgrade Cover you will have extra protection in the event of a dental injury because Denplan will pay up to 2,100 towards the cost of a dental implant if you need one. What is a dental implant? Dental implants look and feel like real teeth so you can eat, drink and smile with confidence. With care, they can last as long as natural teeth. A permanent titanium root is implanted into the gum and bone and, when it s healed, a crown-type tooth or bridge is permanently fixed to it. How much will it cost and what will I get? For just 2.25 per person, per month, if you are clinically suited to receive an implant you are covered for up to 2,100 per dental implant fixture, following a dental injury, caused by an external blow to the mouth. Maximum cover of up to 20,000 per incident. How can I apply? You can apply by completing the application form and putting it in the post. And you can also apply online via your secure MyDenplan account at 3
4 Demands and needs statement This Implant Upgrade Cover meets the demands and needs of patients who want to ensure they have cover towards dental implant treatment costs arising as a direct result of a dental injury. No recommendation has been made in connection with this insurance policy. Policy Summary - Implant Upgrade Cover This Policy Summary provides a brief description of the Implant Upgrade Cover which is underwritten by Simplyhealth Access. It does not contain the full Terms and Conditions, which can be found in the Supplementary Insurance or Denplan Emergency Policy Document. The Terms and Conditions of your Supplementary Insurance or Denplan Emergency policy also apply to this cover. What is Implant Upgrade Cover? This upgrade provides you with extra dental injury benefit in addition to your Supplementary Insurance or Denplan Emergency cover. This Implant Upgrade Cover provides you with cover towards the cost of dental implant treatment which is clinically appropriate following a dental injury as a result of an external blow to the mouth. Implant Upgrade Cover is only available to patients who have existing Supplementary Insurance or Denplan Emergency cover. The following is a summary of the key benefits of your policy. Benefits Provision of an implant fixture(s) (including temporary coverage) up to 2,100 per implant fixture, maximum benefit per incident is 20,000 4
5 What are the exclusions and limitations of the Dental Implant Upgrade Cover? As with all insurance policies, general exclusions apply (such as the exclusion of any teeth not in a stable oral condition prior to any injury). In addition to the exclusions and limitations of your Supplementary Insurance or Denplan Emergency cover, the following is a summary of the main exclusions and limitations of the Implant Upgrade Cover. Exclusions Dental injury not caused by a direct and unexpected external blow to the mouth Implant placement where the dental injury occurred within 28 days of the commencement date of the Implant Upgrade Cover Placement of an implant into a preexisting edentulous space, or where a dentist/specialist dentist deems it not clinically appropriate, or replacement following the failure of an implant to integrate Any implant treatment which was prescribed, planned or is currently taking place at the commencement date of the Implant Upgrade Cover Teeth and supporting structures that were not in a reasonable and stable condition prior to the dental injury. For further information See Section 4. Exclusions Benefit B - Worldwide dental injury of your Supplementary Insurance Policy See Section 8 (ii) Exclusions of your Supplementary Insurance Policy How long will my cover last? Your cover will be arranged from the start date on your confirmation letter for the remainder of the calendar year and will then be arranged on an annual basis as detailed in the Supplementary Insurance or Denplan Emergency Policy document. 5
6 98% of patients felt that the person they spoke to at Denplan made them feel valued as a customer* *Denplan ServiceTick Customer Research Jan-Aug ,094 patients 6
7 What do I do if I want to make a claim? Completed claim forms and associated documents should be sent to the following address: Insurance Department, Denplan Limited, Denplan Court, Victoria Road, Winchester, SO23 7RG Additional claim forms can be obtained from one of our advisors on or online at How do I complain? It is always our intention to provide a first class standard of service. However, should you wish to raise any concern, complaint or recommendation you can do so in the following way: In the first instance, you should contact Customer Services on or write to: insurance@denplan.co.uk or The Insurance Manager, Denplan Limited, Denplan Court, Victoria Road, Winchester, SO23 7RG. Please quote your personal policy or claim number. We will investigate any complaint and issue a final response. If you are not satisfied with our response, or we have not replied within eight weeks, you can refer your complaint to The Financial Ombudsman Service, via: Financial Ombudsman Service, Exchange Tower, London E14 9SR complaint.info@financial-ombudsman.org.uk Telephone: The Financial Ombudsman Service will only consider your complaint if you have given us the opportunity to resolve the matter first. This procedure will not prejudice your right to take legal proceedings. However, please note that there are some instances when the Financial Ombudsman Service cannot consider complaints. You can apply by completing the application form and putting it in the post. And you can also apply online via your secure MyDenplan account at mydenplan 7 7
8 The Financial Services Compensation Scheme (FSCS) In the unlikely event that Simplyhealth becomes insolvent and is unable to pay the benefits under your Supplementary Insurance Cover, you may be entitled to claim compensation from the Financial Services Compensation Scheme (the FSCS). You will need to meet specific FSCS criteria depending on your particular circumstances. Further information about the operation of the scheme is available on the FSCS website: To find out whether you would be eligible to claim under the scheme you should contact the FSCS ( ). Cooling Off Period You have a 14 day cooling off period if you have purchased the policy for yourself and/or your family, or are providing an employee benefit. This period begins from either the day they receive the policy documents or the day on which we receive payment of the first premium whichever happens later this applies for a new policy or following a renewal date. If you do not cancel the policy during the cooling off period, the policy will continue on the terms described in the policy document for the remainder of the policy year. Cancellation of your Supplementary Insurance policy will also cancel your Implant Upgrade Cover and also your Plan Contract you have with your dentist and your Denplan Insurance Services. If you cancel your Plan Contract with your dentist, your Supplementary Insurance policy, your Implant Upgrade Cover and your Denplan Insurance Services will also be cancelled. However subsequent cancellation of your Implant Upgrade Cover will not cancel your Supplementary Insurance policy or your Plan Contract. The cost of your insurance and Denplan Insurance Services Out of your total monthly Denplan payment, 93p represents the premium for your Supplementary Insurance and 2.25 is the premium for the Implant Upgrade Cover (if you have opted for this additional cover), both of which are provided by Simplyhealth Access, which includes Insurance Premium Tax charged at the current rate (excluding residents of the Channel Islands and Isle of Man) and 52p is the fee payable for providing Denplan Insurance Services. Denplan Insurance Services Denplan acts on your behalf in making arrangements for the provision of Supplementary Insurance. In doing so, it will assist you with any enquiries regarding your eligibility for insurance cover, any general enquiries regarding your insurance and provides a 24-Hour Worldwide Dental Emergency Helpline. 8
9 PLEASE MOISTEN HERE Implant Upgrade Cover application form The details of the policyholder (the person who is paying for the existing contract): Title Mr Mrs Miss Other First Name Surname Address Postcode Paygroup Reference Number Telephone Daytime Evening PLEASE MOISTEN HERE AND FOLD IN HALF TO SEAL Please upgrade the Supplementary Insurance or Denplan Emergency to include Implant Upgrade Cover for the Denplan patients listed below. Name Date of Birth Existing Denplan Registration No. D D M M Y Y Y Y D D M M Y Y Y Y D D M M Y Y Y Y Subject to acceptance, cover will start from the date of your confirmation letter, or agreed commencement date when applying by telephone, for the remainder of the year. Data Protection Statement Denplan deals with all personal information supplied in the strictest confidence as required by the Data Protection Act To set up and administer your plan Denplan Limited will hold and use information supplied by you and those people included in your application. By signing this form you confirm that you and all those included in your application consent to such use of your personal data. We may also disclose information about you/anyone included in your application when there is a legal requirement to do so, to people who provide a service to us on the understanding that they will keep the information confidential and in accordance with the Data Protection Act 1998, or in circumstances where it would help us to prevent fraud or improper claims. Denplan Limited may contact you about its other products and services. We may also share some of your details with other companies in the Simplyhealth group to enable them to contact you with details of their products and services. We may contact you by post or telephone if appropriate, if you do not wish us to do this, please tick this box We may also notify you electronically by /sms (if appropriate), if you would like to be contacted in this way please tick this box Important - Policy Summary Please read the Policy Summary for a brief description of this Implant Upgrade Cover. PLEASE MOISTEN HERE AND FOLD IN HALF TO SEAL Declaration I hereby apply to add Implant Upgrade Cover and confirm that I have read the Policy Summary. I certify that I am over 18 years of age. This application form must be signed by the payer who is purchasing Implant Upgrade Cover. Where the plan is provided as an employee benefit, the application must be signed by the authorised signatory. Signed 7 (current payer) D D M M Y Y Y Y PLEASE MOISTEN HERE 9
10 Business Reply Licence Number RTJG-XCSL-LALX ATTDTTADDATFAFDAFFFFAADTTFTDDTTAFDDT Denplan Limited Denplan Court Victoria Road WINCHESTER SO23 7RG
11 11
12 Denplan Limited, Denplan Court, Victoria Road, Winchester, SO23 7RG, UK. Tel: +44 (0) Fax: +44 (0) Part of Simplyhealth, Denplan Ltd is an Appointed Representative of Simplyhealth Access for arranging and administering dental insurance. Simplyhealth Access is incorporated in England and Wales, registered no and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Denplan Ltd is regulated by the Jersey Financial Services Commission for General Insurance Mediation Business. Denplan Ltd only arranges insurance underwritten by Simplyhealth Access. Premiums received by Denplan Ltd are held by us as an agent of the insurer. Denplan Ltd is registered in England No The registered offices for these companies is Hambleden House, Waterloo Court, Andover, Hampshire SP10 1LQ. IMP
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