AXA Health
AXA Dental Insurance
Dental insurance with a unique no-claims discount of up to 35%
from £12
per month
Best for
- Only major UK dental insurer with a no-claims discount — up to 35% over 8 claim-free years
- Core plan covers NHS treatment, rare among dental insurance products
- Mouth cancer cover up to £12,000 on Premium
Watch out for
- Worldwide dental emergency cover only on Premium, not Core
- Implants limited to a £500 sub-limit on Premium — a contribution, not full cover
- 3-month waiting period for most routine benefits on Premium
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About AXA Health
AXA Health dental insurance comes in two levels: Core, which covers NHS treatment from around £12/month, and Premium, which covers private treatment with worldwide dental emergencies and mouth cancer cover. Its no-claims discount of up to 35% over 8 claim-free years is unique among major UK dental insurers.
Plan type
Dental Insurance
Monthly price
£12 to £30
Waiting period
1 month on Core; 3 months for routine on Premium
Dentist network
Any dentist
How it works: You pay monthly premiums. If you need treatment, you claim back costs up to annual limits.
AXA Health plan tiers
| Plan | Monthly | Covers | Best for |
|---|---|---|---|
| AXA Dental Core | from ~£12 | NHS treatment + emergencies | NHS patients who want cover for charges and accidents |
| AXA Dental Premium | up to ~£30 | Private routine + restorative, worldwide emergency | Private patients wanting comprehensive insurance |
What is covered?
| Feature | Included? | Notes |
|---|---|---|
| Routine check-ups | ✓ | Core: NHS scale; Premium: private, 3-month wait |
| Hygienist visits | ✓ | Within routine care limits on Premium |
| Fillings | ✓ | Both levels, at the level's treatment scale |
| Crowns | ✓ | Premium, within restorative limits |
| Dental emergency (UK) | ✓ | Both levels, short or no waiting period |
| Dental emergency (worldwide) | Premium | Premium only — Core does not include it |
| Mouth cancer cover | ✓ | Up to £12,000 for one course of treatment (Premium) |
| Dental implants | ✗ | £500 sub-limit on Premium — a contribution, not full cover |
| Orthodontics | ✗ | Not covered on standard plans |
| Cosmetic treatment | ✗ | Not covered |
| NHS treatment | ✓ | Core plan is built around NHS dentistry |
AXA Health pros and cons
Pros
- +Only major UK dental insurer with a no-claims discount — up to 35% over 8 claim-free years
- +Core plan covers NHS treatment, rare among dental insurance products
- +Mouth cancer cover up to £12,000 on Premium
- +5-star Defaqto rated with AXA's claims reputation
- +Hospital cash benefit of £60/night for up to 30 nights
Cons
- -Worldwide dental emergency cover only on Premium, not Core
- -Implants limited to a £500 sub-limit on Premium — a contribution, not full cover
- -3-month waiting period for most routine benefits on Premium
- -Less dental-specific brand presence than Bupa or Denplan
AXA Health FAQ
How much does AXA dental insurance cost?
AXA dental insurance costs from around £12 a month for the Core plan, which covers NHS treatment, up to around £30 a month for Premium, which covers private treatment. The no-claims discount can reduce premiums by up to 35% over 8 claim-free years, so long-term claim-free members pay substantially less.
Does AXA dental insurance have a no-claims discount?
Yes — and it is the only major UK dental insurer that offers one. The discount builds over 8 claim-free policy years to a maximum of 35%. A Premium member paying £30/month could see their premium fall to roughly £19.50/month after 8 claim-free years.
Does AXA dental insurance cover NHS treatment?
Yes. The AXA Core plan is specifically designed around NHS dentistry — it covers NHS charges and adds emergency and injury cover. This is rare: most UK dental insurance (Bupa, WPA) covers private treatment only.
Does AXA dental insurance cover implants?
Only partially. AXA Premium includes a £500 sub-limit for implants within private restorative treatment — a contribution rather than full cover, as a single implant typically costs £2,000–£2,500 in the UK. No mainstream UK dental insurance covers implants in full.
Is AXA dental insurance worth it?
AXA is strongest value for patients with healthy teeth who claim rarely — the no-claims discount rewards exactly that profile — and for NHS patients, who are poorly served by most other insurers. Patients who need frequent restorative treatment may get better value from a capitation plan such as Denplan.
Is AXA or Bupa better for dental insurance?
Bupa is better if you use Bupa dental practices or want worldwide emergency cover on every tier. AXA is better if you want a no-claims discount, NHS treatment cover on Core, or defined mouth cancer cover of up to £12,000. Both are FCA-regulated and hold 5-star Defaqto ratings — see our full Bupa vs AXA comparison.
Our score for AXA Health
Prices from £12/month
Updated September 2026. Always verify with provider.
Quick facts
Is AXA Health worth it for you?
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