8/12/2019 Comparison SAP 2vs.2

1/1

2013 2014

1. Annual Policy Limits

Worldwide Routine and Restorative Dental Treatment No annual limits No annual limits Not applicable

Worldwide Dental Injury

Cover for up to 2,500 of treatment per dental injury up to 4 incidents10000 10000 0%

Worldwide Emergency Dental Treatment 800 800 0%

2. Preventive Treatment

Normal Examination 11 20 82%

Extensive/New Patient Examination 22 40 82%

Small (bitewing) x-ray 4 6 50%

Medium x-ray 7 12 71%

Large (panoral) x-ray 11 18 64%

Scale & Polish 23 40 74%

Fissure Sealant 8 12 50%

Topical Fluoride Application 6 18 200%

3. Fillings

One surface amalgam filling 12 25 108%

Two or more surface amalgam filling 17 34 100%

One surface composite anterior filling 16 33 106%Two or more surface composite anterior filling 25 60 140%

One surface composite posterior filling 17 35 106%

Two or more surface composite posterior filling 23 46 100%

4. Root Canal Treatment

Root Canal Treatment Incisor/canine 40 60 50%

Root Canal Treatment premolar 50 75 50%

Root Canal Treatment molar 65 98 51%

5. Crowns

Porcelain jacket crown 91 125 37%

Metal bonded crown 98 135 38%

Dentine bonded crown / Full gold crown 110 152 38%

Zirconia crown 138 190 38%

Post 20 40 100%

Re-cement Crown 15 25 67%

6. Bridgework

Precious metal bonded porcelain bridgework (any number of units) 260 400 54%

Adhesive bridge (any number of units) 130 220 69%

Inlay (per unit) 80 140 75%Onlay (per unit) 80 140 75%

Veneer (per unit) 70 125 79%

Re-cement Bridge, Inlay, Only or Veneer 15 25 67%

7. Dentures

Acrylic - full single denture 140 238 70%

Acrylic - full upper and lower dentures 243 417 72%

Acrylic - partial denture 128 220 72%

Part metal denture 203 347 71%

Full metal denture 210 360 71%

Denture Repair 25 35 40%

8. Sundry

NHS Treatment 100% reimbursement 100% reimbursement Not applicable

Simple extraction 15 25 67%

Surgical extraction 40 55 38%

Dental Implants (implant & abutment) 0 200 Additional benefit

Orthodontic treatment (children only) 250 400 60%

Periodontal Treatment 55 84 53%

Mouthguard (excluding sports mouthguards) 40 50 25%Sedation 50 70 40%

Other Emergency Treatment Charges

Including, but not limited to, prescription charges, arrest of

haemorrhage and costs of calling the emergency helpline (from

25 35 40%

9. OTHER BENEFITS

Mouth Cancer 12000 20000 67%

Hospital Cash Benefit (50 per night, up to 1,000 per pol icy year) 50 per night, 1000 per year 100 per night, 1000 per year Increase

Dentist Call-out Fees(50 per incident, up to 100 per policy year) 50 per incident, 100 per year150 per incident, 300 per year Increase

Telephone consultations for dental emergency or dental injury No Yes Additional benefit

Benefit comparison

Difference in benefit

Average difference

in benefit

67%

Lucent 2 Lucent 2