Health Insurance (Private) vs Dental Insurance
A plain-English comparison of two GeraSure policy lines — what each covers, what it excludes, typical annual premium, and how to choose.
Quick Answer
Health Insurance (Private) typically costs £600–£3000/yr and Dental Insurance typically costs £80–£400/yr. Dental Insurance has the lower entry premium, but the right choice depends on what you need to protect — read the coverage below.
Health Insurance (Private)
Private health insurance giving access to private hospitals, faster diagnosis, and treatment without NHS waiting lists. Available as individual, couple, or family plans.
- Avg annual premium
- £600–£3000/yr
- Type
- health
- Available in
- 5 markets
Dental Insurance
Dental insurance covering routine check-ups, fillings, extractions, and major restorative work. Available as standalone policy or rider on health insurance.
- Avg annual premium
- £80–£400/yr
- Type
- health
- Available in
- 4 markets
What each policy covers
Health Insurance (Private) covers
- ✓ Inpatient hospital treatment
- ✓ Outpatient consultations and diagnostic tests
- ✓ Cancer cover (diagnosis and treatment)
- ✓ Mental health treatment
- ✓ Physiotherapy
- ✓ Optional: dental and optical
Key exclusions
- ✕ Pre-existing conditions (unless moratorium or full medical underwriting applied)
- ✕ Pregnancy and maternity (check if included)
- ✕ Cosmetic treatment
- ✕ Experimental treatments
- ✕ Chronic conditions managed long-term
Dental Insurance covers
- ✓ Annual check-ups and hygienist appointments
- ✓ Fillings and extractions
- ✓ Root canal treatment
- ✓ Crowns and bridges
- ✓ Emergency dental treatment
- ✓ Optional: orthodontics (braces)
Key exclusions
- ✕ Cosmetic procedures (teeth whitening)
- ✕ Pre-existing dental conditions (waiting period applies)
- ✕ Implants (unless specifically included)
Where each is available
Health Insurance (Private) is also offered in Germany, France, UAE where Dental Insurance is not.
Dental Insurance is also offered in Armenia, Georgia where Health Insurance (Private) is not.
Frequently asked questions
Is health insurance (private) more expensive than dental insurance?
Based on GeraSure's average annual premium ranges, health insurance (private) typically costs £600–£3000/yr and dental insurance typically costs £80–£400/yr. Dental Insurance usually has the lower starting premium. Your actual quote depends on your risk profile, location and cover level.
Is private health insurance worth it in the UK?
For elective procedures and specialist consultations, private health insurance can dramatically reduce waiting times from months to days. It is particularly valuable for mental health cover, physiotherapy, and cancer diagnosis speed.
Is dental insurance worth it in the UK?
With NHS dental waiting lists at record lengths, dental insurance that covers private dentists is increasingly valuable. A single crown can cost £600 privately — dental insurance at £10–£30/month pays for itself quickly.
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.