Dental Insurance. Shambolic, that's the verdict on the new NHS dental service. Page 2

A typical example helps to set the picture. With Western

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Provident the policyholder pays the first 25% of each treatment but can claim up to £250 per year towards routine treatment including check-ups, fillings and visits to the hygienist. Emergency ( cheap loans ) dental treatment is covered up to £1,000 per year but the maximum cover for accidental dental injury is £250 per treatment. The cost? If you're aged between18 and 49 the premium is £12.48. Older and up to 69 it's £15.90 per month.

Capitalisation Schemes

A capitalisation scheme is the most expensive option and the option favoured by many dentists. It's also the most expensive option! Before you take the policy, your dentist makes an assessment of your dental health and places you in one of five or so, ( home insurance quotes ) treatment groups. The group you're in then controls the cost of your scheme. The better your dental condition, the less you pay.

For example, a dental care scheme from Denplan costs between £9 and £30 per month.

Cash Plans

The final alternative is a composite health cash plan. These insure ( travel insurance ) you for a wide range of health treatments including dentistry but also such things as eye treatment, hospital treatment, physiotherapy, chiropody even allergy testing. Each type of treatment has a maximum claim value for each kind of health treatment but they tend to be a bit on the mean side. In our view, you're much better ( life insurance advisers ) off with a dental insurance policy or a capitalisation scheme.

You pay your money and take your choice!