Denplan Extensive Handbook 11-10

8/3/2019 Denplan Extensive Handbook 11-10

1/16

Denplan ExtensivePolicy Handbook


2/16

02

Contents

03Welcome to Denplan

03How to contact us

04What does Denplan Extensive cover me or

05What we do or you

06The claiming process

07-15Policy Terms and Conditions


3/16

03For urther inormation visitwww.denplan.co.uk/employees

Welcome to DenplanThank you or choosing a dental plan arranged by Denplan. In this handbook youll nd

everything you need to know about your dental plan, how to claim and what services you

have access to. And i you would like to speak with one o our advisors you can call them on

one o the numbers shown below they will be happy to answer any questions you may have.

How to contact us:

24-Hour Worldwide Dental Emergency

Helpline

I in the UK call:0800 7315 052

I outside the UK call:

+44 (0)1962 844571

Lines are open rom 8.00am to 5.30pm on Monday to Thursday and 8.00am to 4.30pm on

Friday Denplan may record and/or monitor calls. Mobile phone charges may apply.

For all general enquiries, including

help with fnding a dentist

Call:0800 838 951

Email:

[email protected]

Web:

www.denplan.co.uk

or the Find a Dentist service


4/16

04

What does Denplan Extensive cover me or?Denplan promote and encourage preventive dentistry. The dental plans we arrange could help

keep you dentally t which in turn may help keep you in good overall health. Your dental

plan includes:

Routine treatments reimbursement towards your regular dental treatments such as

check-ups, hygiene appointments and x-rays. You have cover or up to 300 per policy

year towards these treatments

Restorative dental treatments covers you or reimbursement towards more costly

treatments such as llings, crowns, bridges or dentures. You can claim back 80% o the

cost or eligible restorative treatments, up to 400 per policy year

NHS treatment i youre having NHS treatment this dental plan covers you or 100%

reimbursement o all NHS dental charges. The NHS charges or treatments varies

depending on where you live within the UK - see page 8 or details

Worldwide dental injury and dental emergency cover your dental plan includes up to

10,800 cover or eligible dental injuries and dental emergencies, both in the

UK and abroad

Mouth cancer cover your dental plan will cover you or up to 12,000 per policy year

(cover not immediate)

How does it work?

When you go to the dentist or a check-up (50*), hygienist visit (50*) and have a lling

(80*) you will get 164 reimbursement (providing you meet the terms o the dental plan).

*Source: Denplan Insurance Benets Survey 2010. 434 responses rom member dentists.


5/16


What we do or youWe take care o you rom the moment you join Denplan and throughout your time with us.

Finding a dentist

You can go to any dentist whether private, NHS or Denplan but i you would like help nding one

you can take advantage o our Find a Dentist service. You can choose rom one o approximately

6,500 Denplan member dentists in the UK either online or by calling us on 0800 838 951*.

The Denplan website lists the services oered by each dentist and includes those with various

specialisms.

24-Hour Worldwide Dental Emergency Helpline

What to do in the event o a dental emergency in the UKI you need help urgently in the event o a dental emergency you can ring the helpline on

0800 7315 052* and speak with an advisor. They will be able to give you advice and can help

you nd a dentist (i you cannot see your own) to provide the necessary treatment. You can claim

up to 200 per incident or temporary emergency dental treatment; please reer to page 7

or ull details.

What to do in the event o a dental emergency abroad

I you need help urgently in the event o a dental emergency and you are abroad you can ring the

Denplan helpline on +44 (0)1962 844 571* and speak with an advisor. They will be able to give

you advice about how to nd a dentist to provide the necessary dental treatment. You can claim

up to 400 per incident or temporary emergency dental treatment; please reer to page 7

or ull details.

*Lines are open 24 hours all year round calls may be recorded and/or monitored. Mobile phone charges may apply.


6/16

06

The claiming process

1. Once treatment has been completed pay the dentist and obtain an itemised receipt toensure prompt reimbursement.

2. Fill in the claim orm, which was included in your welcome letter or downloaded rom our

website www.denplan.co.uk/employees as an editable PDF. Or you can call us on

0800 838 951* and we can send you one.

3. Once the claim orm is completed, attach the itemised receipt as well as proo o payment

and send it to Denplan Corporate, Denplan Court, Victoria Road, Winchester SO23 7RG.

Provide us with as much inormation as possible about your claim to help prevent delays

to your payment which is usually sent within ve working days. I we require urther

inormation to assess your claim, such as your dental records, we will contact you.

*Lines are open rom 8.00am to 5.30pm on Monday to Thursday and 8.00am to 4.30pm on Friday calls may be recorded and/

or monitored. Mobile phone charges may apply.

Things to remember when making your claim

1. Check your dental plan start date as treatment prescribed beore the original plan

start date will not be reimbursed.

2. Please ll in one claim orm per person.

3. Make sure the policyholder/patient signs the claim orm.

4. Attach a ully itemised receipt showing proo o payment and treatment breakdown,

including the type o treatment and the date o treatment.

5. I you have received NHS treatment, make sure it is clearly stated on the receipt.


7/16


BeneftsDenplan

Extensive

For ull

details

100% reimbursement

For NHS treatment. Section 4.

(page 11)

Routine examinationsUp to 100

per policy year

Section 4.g

(page 11)

Hygiene treatmentsUp to 120

per policy year

Section 4.g

(page 11)

Dental x-raysUp to 80

per policy year

Section 4.g

(page 11)

Restorative treatments

80% o the cost

up to 400

per policy year

Section 4.h

(page 11)

Worldwide dental injuryCover or up to 2,500 o treatment per dental injury or up to our

incidents per policy year.

Section 4.a

(page 9)

Worldwide emergency dental treatment

In the UK: up to 200 o treatment per incident or up to our


Outside the UK: up to 400 o treatment per incident or up to two


There is an overall maximum o 800 per policy year or this benet.

Section 4.b

(page 9)

Dentist call-out ees

Up to 100 per incident or up to two incidents per policy year.

Section 4.c(page 10)

Hospital cash beneft

50 or each night you stay overnight in hospital, up to 1,000

per policy year, or dental treatment under the care o a consultant

specialising in dental or maxilloacial surgery in relation to a head or

neck condition.

Section 4.d

(page 10)

Mouth cancer cover

Up to 12,000 towards one course o treatment or up to 18 months

ollowing diagnosis (smokers are included).

Section 4.e

(page 10)

24-Hour Worldwide Dental Emergency Helpline

Policy Terms and ConditionsThis document constitutes the ull terms and conditions oyour dental policy, which is or the policy term.

1. Beneft table

Please reer to the benet table below to see the benets oyour policy - the reerenced section

o the terms and conditions contains a ull description o the benets, exclusions and restrictions

which relate to your policy.


8/16

08

2. Defnitions

The words, which appear in this policy in bold, have specic meanings, which are explained below:

appropriate mouth protection - a sports mouthguard.

commencement date - the cover start date as shown in your welcome letter or other notices issued by

Denplan Limited.

contact sport - rugby, lacrosse, hockey, boxing, wrestling, ice hockey and any sport where it is common

practice to wear mouth protection.country o residence - the country in which you are resident on a limited or unlimited secondment in

agreement with your employer.

dental call-out - the necessity or a dentist in the UK to re-open the practice between the hours o 6.00pm

and 8.00am on weekdays or weekend and bank holidays or outside the UK, outside the practices normal

working hours.

dental implant - a titanium root-shaped xture designed to integrate with the bone, to replace the root o a

tooth and support the replacement teeth.

dental injury - an injury to the teeth or supporting structures (including damage to dentures whilst being

worn) which is directly caused suddenly and unexpectedly by means o a direct external impact.

dental specialist - a specialist dental practitioner accredited by the General Dental Council (GDC) in the UK

practising in one o the recognised dental specialist areas contained within The Specialist List held by the

GDC at www.gdc-uk.org

dentist - in the UK, a dental surgeon who is currently registered with the General Dental Council (GDC)

together with any other regulatory authority. I the dentist is outside the UK, a dental surgeon who is currently

registered with the appropriate national regulatory authority.

mouth cancer - a malignant tumour, with its primary site being in the hard and sot palate, gland tissue

(including accessory, salivary, lymph and other gland tissue) in the mucosal lining o the oral cavity but

excluding the tonsils, which is characterised by the uncontrolled growth and spread o malignant cells and

the invasion o tissue. This excludes non-invasive cancer in situ and HIV related tumours.

NHS price bandings - the prevailing charging structure or NHS treatment carried out in England, Wales,

Scotland, Northern Ireland and the Isle o Man. At the time o printing, the charge structure in England, Wales

and the Isle o Man was based on three price bandings (details can be ound at www.nhs.uk). In Scotland

and Northern Ireland, a schedule o treatment charges apply (see www.scotland.gov.uk/dentistry or Scotland

and www.centralservicesagency.com/display/dentala or Northern Ireland)

permanent treatment - denitive treatment that is clinically necessary to secure and maintain oral health.

policy term - the twelve month period immediately ollowing the commencement date or, i shorter, the period

o time between the commencement date and the renewal date. In the case o a renewed policy the twelve

month period immediately ollowing the renewal date. This may also reer to a non twelve month period as

agreed by your employer and conrmed in your joining details.

premium - the money due to us with regard to the provision o this policy.

restorative dental treatment clinically necessary dental treatment required to maintain the oral health o a

patient in the opinion oyourdentist. This may include treatment such as llings, crowns, bridges and dentures.

specialist dental treatment - dental treatment carried out by a dental specialist, within their specialist area.

temporary emergency dental treatment - temporary dental treatment provided at the initial emergency

appointment urgently required or the relie o severe pain, arrest o haemorrhage, the control o acute

inection or a condition which causes a severe threat to your general health. For the avoidance o doubt any

subsequent treatment required ater the initial emergency appointment is specically excluded.

United Kingdom (UK) - England, Wales, Scotland, Northern Ireland, Isle o Man and the Channel Islands.

we, us, our - AXA PPP healthcare Limited.you, your - a person who has been accepted or cover under this policy.


9/16

What is covered What is not covered

The cost otemporary emergency dental treatment

carried out by a dentist within the UK and overseas,

up to the limits stated in the benet table

Dental prescription charges are included

Reimbursement o costs to the emergency helpline

are covered, i calling rom overseas

General exclusions (see section 5)

Any subsequent treatment required ater the

initial appointment (however, you may have

cover under section 4.h Worldwide restorative

dental treatment)

Permanent treatment (however, you may have

cover under section 4.h Worldwide restorative

dental treatment)

3. Eligibility

You can only be covered under the terms and conditions o this policy, rom the commencement date, iyou:

a. pay your premium direct to Denplan and are resident in the UK or at least 180 days during the policy term; or

b. are entitled to enter the scheme in accordance with the eligibility rules dened by your employer; or

c. are related to an eligible employee who is also covered on the corporate scheme.

Your insurance cover under this policy will end at the earliest o the ollowing:

d. the expiry o the policy term; or

e. when you are no longer eligible to remain in the scheme according to the eligibility rules dened by youremployer; or

. in the case o a company unded scheme, the last day o the month in which your employment ceases,

unless we have agreed otherwise with your employer.

4. Schedule o benefts

a. Worldwide dental injury



The costs o dental treatment received by you

carried out by a dentist in connection with a dental

injury which happens ater the commencement

date, up to the limits stated in the benet table

Dental prescription charges are included

Idental implants are clinically required, benets

will be paid under the Implant Upgrade cover.

Iyour policy does not include the Implant Upgrade

cover, we will pay up to 1,000 towards the cost o

the equivalent bridgework treatment


You are only covered or treatments in connection

with dental injuries that commence within a period

o 6 months o the date o the original incident

and/or notication o an intention to claim, and

while your policy is in orce.

You are only covered or treatment received within

24 months o the date o the injury.

Dental injury caused in the consumption o ood

(including oreign bodies contained within the ood).

Dental injury caused whilst training or orparticipating in contact sports (including training)

unless appropriate mouth protection is worn.

Note: Iyour treatment under this benet spans a renewal period, we will treat the claim as a continuing

claim and we will continue to cover your treatment ater the renewal date, with benets subject to the policy

limits o the policy term in which the incident took place.

b. Worldwide emergency dental treatment


10/16

10

c. Dentist call-out ees


The cost odental call-outs in the event o a dental

injury or dental emergency up to the limits stated in

the benet table


d. Hospital cash beneft


You can claim hospital cash payments as described

in the benet table iyou are admitted overnight

as an in-patient to a licensed medical or surgical

hospital or dental treatment under the care o a

consultant specialising in dental or maxilloacial

surgery in relation to a dental condition


e. Mouth cancer cover


Treatment charges up to the limits stated in the

benet table or treatment omouth cancer


Mouth cancer diagnosed beore or within 90 days

o when you were rst provided with mouth cancer

cover by us or or which tests or consultation beganwithin those 90 days, even i the diagnosis is not

made until later.

You are only covered or treatment received within

18 calendar months o the date o diagnosis.

You are only covered or one course o treatment

in connection with a specic occurrence omouth

cancer. No urther benets are payable in the event

o a re-occurrence o this same cancer, either at the

same site or at a dierent location.

You are only covered or treatment given by aconsultant who is recognised as a specialist in

cancer treatment by the NHS or the States o

Guernsey and Jersey or your country o residence or

treatment provided by another medical practitioner

under reerral rom a consultant.

Charges or consultations or tests or noninvasive

tumours under the mouth cancer cover benet, or

tests that dont result in a diagnosis omouth cancer.

Mouth cancer which is related in any way to HIV

inection or AIDS.

Mouth cancer resulting rom the chewing o tobacco

products or betel nut, or rom prolonged alcohol abuse.


11/16


. NHS treatment


100% reimbursement or treatment carried out

under the NHS price bandings (see denitions or

urther details)


Note: You must supply a clear, itemised NHS receipt to claim reimbursement under the NHS benet. In the event

that we are unable to establish you have received NHS treatment, we will assess your claim as private treatment,

under benets 4.g (Worldwide routine dental treatment) and 4.h (Worldwide restorative dental treatment).

g. Worldwide routine dental treatment


Clinically necessary routine dental examinations,

hygiene treatments and dental x-rays carried out bya private dentist, up to the maximum limits stated

in the benet table


h. Worldwide restorative dental treatment


Clinically necessary restorative dental treatment

and specialist dental treatment carried out by a

private dentist to maintain your oral health

These treatments include, but are not limited to;

llings, crowns, bridges, dentures, impressions,

extractions, root canal treatment, periodontal

treatment, orthodontic treatment (grades 4 5 on

the IOTN scale), mouthguards or teeth grinding

The overall maximum reimbursement level or this

benet is stated in the benet table or your chosen

level o cover


Mouthguards or the purposes o sporting activities

Orthodontic treatment that is not clinically

necessary (grades 1 3 on the IOTN scale)

Dental implants, and all costs associated with the

preparation and tting o such a device (although

you may have cover under section 4.a Dental

injury iyou require dental implants as the result o

a dental injury)

For inormation on the Index o Orthodontic Treatment Need (IOTN) scale, see www.bos.org.uk

or contact Denplan.


12/16

12

5. General exclusions

This policy does not provide cover or:

a. Any treatment not deemed to be clinically necessary.

b. Any dental treatment which was prescribed, planned, diagnosed as necessary or is currently taking place

at the commencement date.

c. Damage caused by toothbrushing or other oral hygiene procedures.

d. Loss o, or damage to dentures, other than whilst in the mouth.

e. Reimbursement or travelling expenses, incidental expenses or telephone calls (unless to the emergency

helpline rom overseas).

. Treatment, care or repair to teeth, gums, mouth or tongue in connection with mouth jewellery.

g. Dental consumables, such as toothbrushes, mouthwash and dental foss.

h. Dental procedures carried out by a hospital, or example, wisdom teeth extractions.

In addition, no benet will be payable under section 4 as a result or consequence o any o the ollowing:

i. Sel-inficted dental injury.

j. Dental injury caused by laparoscopic procedures.

6. Claims general

When determining claims Denplan act on behal o the underwriter, AXA PPP healthcare Limited. Denplan

have the delegated authority to do so, and in this instance are not acting as your intermediary, but as the

agent o AXA PPP healthcare Limited.

a. (i) Your claim must be notied to Denplan by you ully completing and signing the ocial claim orm.

Incomplete claim orms will be returned and may cause a delay in your claim being assessed. In

any event claim orms must be completed at your own expense and should be received by Denplanwithin 60 days o receiving your dental treatment, i reasonably possible.

(ii) Your claim must be supported by proo o treatment detailing the dates and costs o each individual

treatment. The proo must be a ully itemised receipt or an ocial document issued by the treating

practice in English, i reasonably possible. Where a receipt or an ocial document is unobtainable

the treating dental surgery must sign and stamp the completed claim orm.

(iii) Please note it may be necessary to provide relevant x-rays and/or your dental records in support

o a claim.

b. No benet will be payable i Denplan have not received proo o all acts relevant to your claim. This

shall include but not be limited to:

(i) proo oyour eligibility or cover on the date o treatment;

(ii) proo o the dental treatment, including the type o treatment received and date o treatment. This

may be by way o a medical report (at your own expense);

(iii) proo o payment or the dental treatment being claimed or;

(iv) or claims under the worldwide dental injury benet, details pertaining to the circumstances o the

injury you have experienced.

c. In all cases we reserve the right to recover any incurred costs as a result o a third partys involvement.

In addition iyou have another dental insurance policy we reserve the right to pay an appropriate

apportionment o the claim.


13/16


d. Claims settlement will be made payable to the policyholder, or any other third party as specied by the

policyholder on the claim orm. All cheque settlements must be sent to a UK address, and all direct

credit settlements must be paid into a UK clearing bank account.

e. I the treatment is received abroad then we will pay benets in pounds sterling. This means we will need

to convert the expenditure into sterling using FXConverter at www.oanda.com. The exchange rate will be

calculated at the rate in orce at the date o the receipt, and will be the basis o the settlement.

. There may be instances where we are uncertain about the eligibility o a claim. I this is the case we

may at our own cost ask a dentist or other medical specialist, chosen by us, to advise us about themedical acts relating to a claim or to examine you in connection with the claim. In choosing a relevant

dentist or specialist we will take into account your personal circumstances.You must co-operate with

any dentist or specialist chosen by us or we will not pay your claim.

g. Any benets we pay or dental treatment to which you or any oyour eligible dependants are not strictly

entitled shall count towards your annual maximum benets available under the policy, but we shall not,

by making any such payment, be liable to pay any uture benets in respect o such dental treatment.

7. Cooling o period and cancellation rights

The Financial Services Authority rules allow certain policyholders to cancel their policy and have their

premium returned. I the policyholder exercises their right to cancel within the 14 day cooling o period we

will then return any premium paid or the policy. The 14 day cooling o period commences on the day that

the contract is concluded or the day that ull policy terms and conditions are received, whichever is the later.

However, i the policyholder does not cancel the policy during the cancellation period the policy will continue

on the terms described in this document. The 14 day cooling o period will also apply rom each renewal

date o the policy. The cooling o period will only apply to you iyou are:

a. paying premiums directly to Denplan;

b. an unincorporated business (a sole trader or a partnership which is not a Limited Liability Partnership)

and are purchasing the cover or yoursel as well as your employees.

Should you wish to cancel your policy with us and the cooling o period applies, you can do so by inorming

Denplan directly via telephone, or sending a letter, ax or email.

Cancellation rights

Should you cancel your policy at any time other than the cooling o period or the end o the policy term,

we reserve the right to reuse reinstatement oyour policy. Should you request to reinstate your

policy ollowing such a cancellation, we will not reinstate your policy or a period o one calendar

year ollowing the cancellation.


14/16

8. General

a. This contract between you and us is made up o these terms and conditions, your schedule o cover and

any endorsement provided by us in your welcome or renewal letter.

b. Non payment opremium will result in us suspending your benets, and taking all necessary action to

recover monies outstanding.

c. You and we are ree to choose the law that applies to this policy. In the absence o an agreement to the

contrary, the law o England and Wales will apply.

d. The policy is written in English and all other inormation and communications to you relating to the policy

will also be in English.

e. All policyholders must provide an up-to-date mailing address.

. Iyou pay yourpremium directly to Denplan, Denplan will write to you prior to the end o any policy term

to let you know that we wish to renew your policy and on what terms. I Denplan do not hear rom you

in response, then we may at our option assume that you wish to renew your current policy on those

new terms. Where you have opted to pay the premium by Direct Debit, Denplan may continue to collect

premiums by such method or the new policy term. Please note that i Denplan do not receive your

premium, this may aect your cover. We reserve the right to reuse renewal o the policy.

g. Iyou (or anyone acting on your behal) make a claim under your policy or obtain cover knowing it to be

alse or raudulent, we can reuse to make benet payments or that claim and may declare the policy

void, as i it never existed. Iwe have already paid benet we can recover those rom you. Where we

have paid a claim later ound to be raudulent, (whether in whole, or in part), we will be able to recover

those sums rom you and/or take the appropriate legal action against you.

How is my personal data protected?

Please ensure that you show the ollowing inormation to others covered under your policy, or make them aware

o its contents. Denplan will deal with all personal inormation supplied in the strictest condence as required

by the Data Protection Act 1998. Denplan may send personal and sensitive personal inormation in condence

or processing by other companies and intermediaries and to AXA PPP healthcare as the underwriter o thispolicy. Denplan will extend the same duty o condentiality to any third parties to whom it may subcontract the

administration oyour policy, including those based outside the European Economic Area.

Denplan will hold and use inormation about you and any amily members covered by your policy, supplied by

you, any amily members and your employer (i applicable) to provide the services set out under the terms o

this policy, administer your policy and develop customer relationships and services. In certain circumstances

Denplan may ask medical service providers (or others) to supply Denplan with urther inormation. When

you give Denplan inormation about amily members Denplan will take this as conrmation that you have

their consent to do so. As the policyholder is acting on behal o any amily member covered by this

policy, Denplan will send all correspondence about the policy, including any claims correspondence, to the

policyholder unless advised to do otherwise.

Denplan are required by law, in certain circumstances, to disclose inormation to law enorcement agencies

about suspicions o raudulent claims and other crime. Denplan will disclose inormation to third parties

including other insurers or the purposes o prevention or investigation o crime including reasonable

suspicion about raud or otherwise improper claims.

Iyou have agreed, Denplan may use the inormation you have provided to Denplan to contact you by post,

telephone or electronically with details o other products and services. With your agreement Denplan may

also share some oyour details with other AXA Group companies and other careully selected companies

based in the European Economic Area to enable them to contact you about their products and services.

Iyou change your mind please contact Denplan on 0800 838 951 otherwise Denplan will assume that, or

the time being, you are happy to be contacted in this way.

14


15/16


What regulatory protection do I have?

Denplan Limited is an appointed representative o AXA PPP healthcare Limited, which is authorised and

regulated by the Financial Services Authority (FSA). The FSA was established by government to provide a

single statutory regulator or nancial services. The FSA is committed to securing the appropriate degree o

protection or consumers and promoting public understanding o the nancial system. The FSA have set out

rules which regulate the sale and administration o general insurance which AXA PPP healthcare and Denplan

must ollow when dealing with you. AXA PPP healthcares registration number is 202947. This inormation

can be accessed by visiting the FSA register which is on their website: www.sa.gov.uk/register or by

contacting the FSA on 0845 606 1234.

In the unlikely event that AXA PPP healthcare becomes insolvent and is unable to pay the benets under your

group scheme, you may be entitled to claim compensation rom the Financial Services Compensation Scheme

(the FSCS).You will need to meet specic FSCS criteria depending on your particular circumstances. Further

inormation about the operation o the scheme is available on the FSCS website: www.scs.org.uk. To nd out

whether you would be eligible to claim under the scheme you should contact the FSCS (0207 892 7300).

How to complain

It is always the intention o AXA PPP healthcare and Denplan to provide a rst class standard o service.

However, should you have reason to complain you can do so in the ollowing way:

a. In the rst instance, you should document your complaint and send it to Denplan at:

Corporate Customer Service Manager,

Denplan Corporate,

Denplan Court,

Victoria Road,

Winchester

SO23 7RG

Email: [email protected]

Please quote your personal policy or claim number so that your enquiry can be dealt with quickly.

b. Should the matter still not be resolved to your satisaction, you have the right to reer your complaint to:

Financial Ombudsman Service

South Quay Plaza,

183 Marsh Wall,

London

E14 9SR

Email: [email protected]

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.


16/16

Denplan Limited, Denplan Court, Victoria Road, Winchester, SO23 7RG, UK.

Tel: +44 (0) 1962 828000. Fax: +44 (0) 1962 840846. Email: [email protected] in England No. 1981238. Registered address 5 Old Broad Street, London EC2N 1AD, UK.

Denplan Limited is an Appointed Representative o AXA PPP healthcare Limited which is authorised and regulated by

the Financial Services Authority. This inormation can be checked by visiting the FSA register which is on their website:

www.sa.gov.uk or by contacting the FSA on 0845 606 1234. Denplan Limited is regulated by the Jersey Financial Services

Commission. This policy is underwritten by AXA PPP healthcare Limited. Denplan Limited only arranges dental insurance rom

AXA PPP healthcare Limited and is a member o the AXA UK plc group o companies o which AXA PPP healthcare is a member.

We may record and/or monitor calls.

COR

P67811-10

Member o the Group

Documents

Denplan Extensive Handbook 11-10