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Few people like going to the dentist and having to pay for the privilege is a good reason not to. Even under the NHS which, believe it or not, still accounts for around 70% of treatment carried out, patients have to pay most of the cost. Private fees are unregulated and can run to hundreds - or thousands - of pounds.

Over 2 million people now have some sort of cover to help with the cost of dental care and insurance-based schemes have experienced significant growth in recent years. Dental cover is the fourth most popular benefit within flex or voluntary plans.

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