Simplyhealth
Simply Dental
Flexible health cash plan — use any dentist, claim from day one
from £8
per month
Best for
- Use any dentist — NHS or private, no restrictions
- Claim from day one, no waiting period
- Covers both NHS and private dental treatment
Watch out for
- Cashback model — you pay upfront and claim back
- Annual claim limits per treatment type
- Does not cover cosmetic dentistry
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About Simplyhealth
Simplyhealth offers a health cash plan that includes dental cover, allowing you to claim back costs for routine and emergency dental treatment at any NHS or private dentist. Unlike capitation plans, you pay upfront and claim back a set amount per treatment.
Plan type
Health Cash Plan
Monthly price
£8 to £50
Waiting period
None — claim from day one
Dentist network
Any dentist
How it works: You pay upfront for treatment at any dentist, then claim back a set amount from your plan.
Simplyhealth plan tiers
| Plan | Monthly | Covers | Best for |
|---|---|---|---|
| Level 1 | from £8 | Dental + optical cashback | Basic cover, occasional dental visits |
| Level 2 | from £14 | Higher dental cashback | Regular dental users |
| Level 3 | from £22 | Dental + optical + physio | Comprehensive health cover |
| Level 4 | from £35 | Higher limits across all | Regular private dental treatment |
What is covered?
| Feature | Included? | Notes |
|---|---|---|
| NHS dental treatment | ✓ | Claim back Band 1, 2, 3 costs |
| Private dental check-up | ✓ | Annual cashback limit applies |
| Private hygienist | ✓ | Annual cashback limit applies |
| Fillings (private) | ✓ | Cashback up to annual limit |
| Dental emergency | ✓ | Most tiers include emergency cover |
| Worldwide dental emergency | ✗ | Not included in standard plans |
| Orthodontics | ✗ | Not covered |
| Cosmetic treatment | ✗ | Not covered |
| Optical | ✓ | Included on most plans |
| Physiotherapy | Higher tiers | Level 3 and above |
Simplyhealth pros and cons
Pros
- +Use any dentist — NHS or private, no restrictions
- +Claim from day one, no waiting period
- +Covers both NHS and private dental treatment
- +Easy online signup in minutes
- +Also covers optical and other health costs on higher plans
Cons
- -Cashback model — you pay upfront and claim back
- -Annual claim limits per treatment type
- -Does not cover cosmetic dentistry
- -Higher-tier plans needed for meaningful private dental cover
- -Cashback may not cover 100% of private treatment costs
Simplyhealth FAQ
Can I use this with an NHS dentist?
Yes. Unlike Denplan, this plan covers NHS dental treatment as well as private. You can claim back the cost of NHS treatment bands (£26.80, £73.50, or £284.70) up to your annual limit.
How do I claim?
You pay for treatment upfront, then submit a claim online or via the app. Cashback is paid within a few working days to your bank account.
Is there a waiting period?
No. Unlike some insurance products, there's no waiting period. You can claim from day one of your policy.
What are the annual claim limits?
Limits vary by plan level. The entry plan offers typically around £100 to £125 per year in dental cashback. Higher tiers provide more. Check the current plan details for exact limits.
Does this cover cosmetic dentistry?
No. Cosmetic dental treatment such as teeth whitening, veneers, or cosmetic bonding is not covered.
Can I combine this with Denplan?
Yes, in theory. Denplan covers treatment from your registered dentist; this plan reimburses costs. However, check both policies carefully to ensure there is no duplication of claims.
How is this different from Denplan?
This is a health cash plan — you pay upfront and claim back. Denplan is a capitation plan where your dentist provides treatment for a fixed monthly fee. The same company owns both products.
Our score for Simplyhealth
Prices from £8/month
Updated April 2026. Always verify with provider.
Quick facts
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