Dental Overheads - FAQs

Any informal and regular overhead of your practice can be covered. The only things not included are any remuneration for yourself; the cost of dental goods, wares or merchandise and the cost of dental equipment (you can, however, insure the cost of equipment rental and/or fixed term loan repayments).

Probably the most frequently asked question. Here is a table to help you work out your total annual expenses. Then you can cover up to 80% of this figure.

• Rent or mortgage:
• Equipment rental, hire purchase and/or fixed term loan repayments:
• Depreciation, interest and rates (on surgery premises, furniture, fixtures and equipment. If you occupy only part of the building, include only your own share):
• Utilities (Electricity, Heat, Water):
• Employees’ salaries, including wife/husband’s salary, National
• Insurance and pension contributions:
• Telephone and postage:
• Accountancy fees:
• Insurance premiums:
• Professional membership fees and subscriptions:

TOTAL ANNUAL EXPENSES:80% of annual expenses, divided by 12 (months):

Under the Platinum Plus Scheme - yes. As the benefits are provided under a group scheme, unless the entire scheme is terminated or you cancel your policy, your cover remains continuous through to age 70. In fact, unlike many other policies of this type, once you are accepted into the scheme you can never be individually selected for any adjustment or cancellation of your cover or increase in your monthly premium. However, please note your Policy will be cancelled if your claim continues for the maximum duration. With the Platinum Scheme you will renew your cover each year and the terms will be dependent on your health and claims history at that time.

Surprisingly few, and only those that you might expect, but none affect leisure activities. Benefits are not payable for pregnancy unless the cause is a complication, more than 30 days a year active duty in the armed forces, declared or undeclared war, intentionally self-inflicted injuries, alcoholism, drug addition, or HIV/AIDS (except for accidental infection).

You certainly would. Benefit is calculated on a daily basis, the daily benefit being 1/30th of the Monthly Benefit Amount. Thus, in this example you would, of course, receive no benefit for the first 30 days, but full benefit for the remaining 2 months and 11 days.

It begins immediately your application is approved. The only exception would be if you were medically unfit for work at the time you apply, in which case cover would begin when you return to work.

No, simply because they are not directly responsible for the payment of the practice’s overheads.

Yes, if three or more expense sharing partners in the same practice applies they will receive an additional discount of at least 5% on the Platinum Plus Scheme. Ring Dental Insurance Services on 01245 265541 for more information.

You should notify Dental Insurance Services and, regrettably, you would lose the 10% discount. If you continued to take the discount and then made a claim, your Monthly Benefit Amount would be reduced by 10%.

Once you have taken out the plan you have 15 days to read the Policy document that will be sent to you, this includes full conditions and Policy exclusions. If you are not satisfied you can return your Policy. Chubb European Group guarantees that any premium paid by you during this period will be refunded in full provided you have not made a claim. After that you can cancel at any time – simply write to Dental Insurance Services to inform them that you no longer require the cover.

In the first instance simply contact Dental Insurance Services on 01245 265541.