Buying dental insurance can prove less expensive than relying on the NHS or a private dentist it has been claimed by Tesco Finance.
Estimating the typical six monthly check up at the dentist to cost GBP15.90 on the NHS or GBP40 privately and adding in one piece of dental work, such as a crown, Tesco Finance ran the numbers to see which option would prove best. They took the normal price of a crown as GBP194 on the NHS or GBP341 privately.
In a one year period then, with two check ups and one crown being fitted Tesco Finance calculated the total cost of NHS dental treatment to be GBP225.80, whilst a private dental practice would charge GBP421. This compares with an annual dental insurance premium of GBP107.40 using an NHS service, or GBP203.40 using a private one. Clearly there are savings of almost GBP120 to GBP150 available.
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Tesco Finance are advising potential customers that health insurance could be provided for just GBP1.50 per day.
The figure quoted for Tesco Finance health insurance is based on someone living outside London, 35 percent no claims discount and a GBP100 excess. There are 3 different health insurance products offered by Tesco, with the cheapest Core health cover available for less than GBP15 a month for a 20 year old, up to GBP45 for a 55 year old.
The view of Tesco Finance is that their health insurance combines a simple package with excellent value. Those under 75 do not need to answer any medical questions and there are three packages available.
New health insurance customers at Tesco Finance will be able to include their children for free on the first 12 months cover. The offer is applicable on applications made between 29 May and 23 July 2008.
With regard to value a typical price has been calculated for Tesco Health Insurance, using as an example two parents, living in Edinburgh, aged 35 who do not smoke. With a GBP100 excess and paying monthly they and their two children can have medical insurance for just GBP47.04 on the Tesco Core policy, or GBP79.02 on the Premium option.
Taking the same family make up and moving them to London the corresponding premiums are GBP61.40 and GBP101.50. All prices are per month. A Tesco Finance spokesman was happy to be able to offer such good deals since it helps families save money during some difficult times.
