United Kingdom Dental Insurance Market Size, Share, Trends: By Coverage: Dental Health Maintenance Organization (DHMO), Dental Preferred Provider Organization (DPPO), Dental Indemnity Plans (DIP), Dental Exclusive Provider Organizations (DEPO), Others; By Age Group; By End User; Competitive Landscape; 2024-2032

United Kingdom Dental Insurance Market Outlook

The United Kingdom dental insurance market size reached approximately USD 3.88 billion in 2023. The market is projected to grow at a CAGR of 5.3% between 2024 and 2032, reaching a value of around USD 6.18 billion by 2032.

Key Takeaways

Dental insurance is a precautionary measure for many Britishers to deal with rising costs of dental care in the country. It covers medical expenses surrounding tooth check-ups, X-rays, and other dental health care costs along with treatments like root canals and crowns. The insurance relives people from the stress and pressure associated with bill payments after getting done with dental treatments, however, it does not cover the cost of cosmetic dental treatments or procedures.

Rising incidences of oral health problems are expected to be a key factor aiding the United Kingdom dental insurance market growth. Oral health problems, such as visible plaque (66%) and toothache (66 million) are major contributors to the expansion of the market. This is because dental insurance compensates for the healthcare costs incurred during an emergency or accident, and depending upon the policy, can even be utilised overseas.

Key Trends and Developments

Digital innovations, emphasis on preventive care, customisable plans, and integration into corporate wellness to support improved health and employee retention are the key trends impacting the United Kingdom dental insurance market positively

United Kingdom Dental Insurance Market Trends

The United Kingdom dental insurance market is expected to experience a steady growth during the forecast period owing to the rising cases of mouth cancer and increased focus on preventive care. The United Kingdom reports 8,700+ cases of mouth cancer annually. This is because of the widespread habit of smoking and irregular teeth brushing. Moreover, in the UK, 2/5 adults do not visit the dentist regularly, which affects their dental health. Such cases underscore the importance of dental insurance as both a preventive and a financial tool, driving market growth as more individuals and employers recognise the value of dental coverage.

Besides, around 5.8 million people in the UK drink fluoridated water, which is very low in comparison to other developed countries. Fluoride is a mineral known for its benefits in preventing tooth decay and strengthening tooth enamel. In many countries, like Australia, the United States, Spain, and Canada, public water supplies are fluoridated to a recommended level to reduce the prevalence of cavities and oral health issues among the population.

In addition, owing to the bad oral health condition of the general population, the UK has a high tooth extraction rate, currently at 74%, which demands invasive treatment. Rising concerns surrounding low fluoride consumption and tooth extraction rates in the UK (currently at 74%) are expected to drive the United Kingdom dental health insurance market development.

Market Segmentation

“United Kingdom Dental Insurance Market Report  and Forecast 2024-2032” offers a detailed analysis of the market based on the following segments:

Based on age group, adults dominate the market due to increased prevalence of tooth decay among them, poor oral health due to lifestyle changes, and their exclusion from the purview of NHS for availing free dental services (except certain groups)

Adults are expected to lead the market for dental insurance in the UK. This is because of increased cases of tooth decay among them (31%), caused by improper dental hygiene practices, including poor flossing and cleaning habits. The prevalence of high number of smokers (6.9 million) is also impacting the number of gum related problems and teeth loss among people, which is significantly higher than those among the non-smoking population. Adults, except for poor households and pregnant/lactating mothers, are excluded from the purview of NHS for availing free dental care. This has resulted in increased concerns surrounding the costs of oral health care among them, which contributes to the growth of the United Kingdom dental insurance market.

The old age group is more inclined to take dental insurance due to increased dental health issues that arise with age, such as the need for dentures, crowns, and treatments for gum disease. Meanwhile, children and teenagers are less likely to have dental insurance opted specifically for them by their parents, partly because the NHS provides free dental care to those under 18 (or under 19 if in full-time education) in the UK, and lower incidences of oral health conditions among children when compared to adults and the geriatric population.

Corporates are expected to account for the majority of the United Kingdom dental insurance market share

Many corporates in the UK offer dental insurance to individuals as part of their employee benefits package. They also do so because of evolving policies of companies related to employee retention and management. With increasing incidences of oral diseases and the rising costs of dental health care, health insurance policies provided by corporates are expected to play a crucial role in ensuring overall well-being of people, enabling them to afford medical services.

Dental insurance is also expected to gain popularity among individuals who want to safeguard themselves against emergencies/ unforeseen accidents, which can lead to tooth loss and gum problems. This preventive approach is expected to favour the United Kingdom dental insurance market expansion in the coming years.

While individuals can and do purchase dental insurance, the cost for an individual policy can be higher on a per-person basis. Additionally, individuals must actively seek out and opt into these plans, whereas corporate plans are often automatically provided as part of employment.

Competitive Landscape

The market players are adopting digital technologies and are making efforts to provide dedicated platforms and mobile applications to facilitate seamless submissions and faster processing of claims online, thereby improving customer experience

Other key players in the United Kingdom dental insurance market are Bupa Insurance Services Limited, Unum Limited, UK Health Centre, The Boots Company PLC, and Vitality Health Limited, among others.

Dental insurance companies in the UK are expanding their business through a variety of strategies aimed at addressing the diverse needs of the population, leveraging technological advancements, and navigating the regulatory landscape. This will support the United Kingdom dental insurance market expansion over the years.

Companies are increasingly offering a wide range of dental insurance products tailored to different segments of the market, including individual plans, family plans, and corporate packages. Moreover, many dental insurance providers are embracing digital technologies to improve customer experience and operational efficiency. This includes the development of mobile apps for easier policy management, online claims processing for quicker turnaround times, and the use of artificial intelligence for personalised plan recommendations and fraud detection, boosting the United Kingdom dental insurance market growth.

Key Highlights of the Report

*At Expert Market Research, we strive to always give you current and accurate information. The numbers depicted in the description are indicative and may differ from the actual numbers in the final EMR report.