The policyholder named in your policy cover document has applied to DeCare Dental Insurance Ireland Limited (hereinafter known as we, us or our),for the benefits described in the policy for and on behalf of any insured person described in the policy cover document and has paid or agreed to pay the appropriate premium for the level of cover selected.

This booklet along with your Table of Benefits describes the benefits that are available, but the cover that will be provided is that specified in your policy cover document issued to the policyholder which attaches to and forms part of this policy. Any benefit not specified in the policy cover document does not apply.

Before undertaking any dental treatment, you should carefully read the relevant section of this booklet and your Table of Benefits, as these will contain specific exclusions where cover is not provided. There are also general exclusions listed in Section 8 of this booklet where cover is also not provided.

You should be aware that although your dentist may recommend a particular course of treatment that is dentally necessary, it does not mean that the treatment is a covered benefit under the policy. It is important, therefore, that before you undertake any treatment you carefully consider the exclusions and general exclusions and contact us if you are in any doubt as to whether it is a covered benefit under the policy.

This insurance is effected in Ireland and subject to the laws of Ireland. Premium payments are valid when made in euro to Vhi DeCare Dental either directly or by direct debit.

This insurance is effective only after the applicant has been accepted for cover by us and becomes and remains insured in accordance with the limits, notes, terms, provisions, conditions and exclusions laid down in this rules booklet or endorsed on the policy cover document and outlined in your Table of Benefits.

DeCare Dental Insurance Ireland Limited provides the benefits described in the policy booklet and your Table of Benefits during the period of insurance subject to the limits of the cover and all other notes, terms, conditions and exclusions contained in the booklet.

While Vhi Healthcare sells and collects premium for this product, DeCare Dental Insurance Ireland Limited underwrites and performs all claims processing work for the benefits described in the booklet.