2013

2014 Lucent 2

Benefit comparison
1. Annual Policy Limits Worldwide Routine and Restorative Dental Treatment Worldwide Dental Injury Cover for up to 2,500 of treatment per dental injury up to 4 incidents Worldwide Emergency Dental Treatment 2. Preventive Treatment Normal Examination Extensive/New Patient Examination Small (bitewing) x-ray Medium x-ray Large (panoral) x-ray Scale & Polish Fissure Sealant Topical Fluoride Application 3. Fillings One surface amalgam filling Two or more surface amalgam filling One surface composite anterior filling Two or more surface composite anterior filling One surface composite posterior filling Two or more surface composite posterior filling 4. Root Canal Treatment Root Canal Treatment Incisor/canine Root Canal Treatment premolar Root Canal Treatment molar 5. Crowns Porcelain jacket crown Metal bonded crown Dentine bonded crown / Full gold crown Zirconia crown Post Re-cement Crown 6. Bridgework Precious metal bonded porcelain bridgework (any number of units) Adhesive bridge (any number of units) Inlay (per unit) Onlay (per unit) Veneer (per unit) Re-cement Bridge, Inlay, Only or Veneer 7. Dentures Acrylic - full single denture Acrylic - full upper and lower dentures Acrylic - partial denture Part metal denture Full metal denture Denture Repair 8. Sundry NHS Treatment Simple extraction Surgical extraction Dental Implants (implant & abutment) Orthodontic treatment (children only) Periodontal Treatment Mouthguard (excluding sports mouthguards) Sedation Other Emergency Treatment Charges Including, but not limited to, prescription charges, arrest of haemorrhage and costs of calling the emergency helpline (from 9. OTHER BENEFITS Mouth Cancer Hospital Cash Benefit (50 per night, up to 1,000 per policy year) Dentist Call-out Fees(50 per incident, up to 100 per policy year) Telephone consultations for dental emergency or dental injury

Lucent 2

Average difference in benefit

67%

Difference in benefit
No annual limits 10000 800 11 22 4 7 11 23 8 6 12 17 16 25 17 23 40 50 65 91 98 110 138 20 15 260 130 80 80 70 15 140 243 128 203 210 25 100% reimbursement 15 40 0 250 55 40 50 25 No annual limits 10000 800 20 40 6 12 18 40 12 18 25 34 33 60 35 46 60 75 98 125 135 152 190 40 25 400 220 140 140 125 25 238 417 220 347 360 35 100% reimbursement 25 55 200 400 84 50 70 35 Not applicable 0% 0% 82% 82% 50% 71% 64% 74% 50% 200% 108% 100% 106% 140% 106% 100% 50% 50% 51% 37% 38% 38% 38% 100% 67% 54% 69% 75% 75% 79% 67% 70% 72% 72% 71% 71% 40% Not applicable 67% 38% Additional benefit 60% 53% 25% 40% 40%

12000 20000 50 per night, 1000 per year 100 per night, 1000 per year 50 per incident, 100 per year 150 per incident, 300 per year No Yes

67% Increase Increase Additional benefit