Western Provident Association (WPA)

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Western Provident Association (WPA)

With a heritage of over 100 years, WPA is the UK ’s leading 'not-for-profit' (no shareholders) health insurer. The company has over 100 appointed representatives who can visit customers at home or at their work-place to advise on the insurer’s full range of plans.

Providental offers two levels of cover, allowing you to choose to have your treatment on the NHS or privately.

Level one covers the cost of NHS treatment in full. For example, if a visit to your dentist leads to a dental examination and a small filling, you can claim back 100% of this bill.

Level one benefits include:

• Check-ups, hygienist, general treatment and restorative treatment: 100% of NHS treatment costs.
• Dental emergencies (£250 per emergency): 75% up to £500.
• Dental injuries: £10,000.
• Oral cancer: £10,000.
• NHS hospital cover (dental injuries or oral cancer claims): £200 per day/night, up to £2,000.
• Worldwide cover (dental emergencies and injuries only): £250 per emergency/injury.

Level two provides greater flexibility, whether NHS or private. For example, if a visit to a private dentist leads to a dental examination (£43), scale and polish (£45) and a small filling (£77), this bill will be £165. You can claim back 75% of the bill - £123.75.

Level two benefits include:

• Check-ups, hygienist, general treatment and restorative treatment: 75% up to £250.
• Dental emergencies (£250 per emergency): 75% up to £1,000.
• Dental injuries: £20,000.
• Oral cancer: £10,000.
• NHS hospital cover (dental injuries or oral cancer claims): £200 per day/night, up to £2,000.
• Worldwide cover (dental emergencies and injuries only): £250 per emergency/injury.