Dental Insurance Calculator

Our dental insurance calculator compares dental insurance premiums against typical treatment costs. NHS Band 2 (including fillings) costs £73.50 in 2026/27. With NHS dentist access limited in some areas, dental insurance may be worth considering.

Select your treatment needs and frequency of dental visits. Dental insurance in the UK typically covers routine checkups and hygienist appointments, basic restorative treatment (fillings, extractions), and sometimes more complex work such as root canals and crowns at a reduced cost. NHS dental treatment is covered under three charge bands regardless of treatment complexity, making NHS dental access the most cost-effective option for most people. Private dental insurance makes most sense for those who regularly use private dentistry, value enhanced appointment access and aesthetics, or have complex treatment needs. Compare the annual premium against the likely cost of your typical annual treatment — for light users, the premium often exceeds expected treatment costs.