Dental students

We understand that your dental degree is a huge financial commitment, and by your fourth and fifth years you are likely to have mounted up a significant debt. So we have developed a plan just for you, to offer you financial protection, if the worst were to happen and you could never start your career in dentistry.

No one wants to think about the possibility of not becoming a dentist, because of an illness or injury, but having some protection for the investment you have made could help ease some of the financial strain.

Why Dentists' Provident?
  • We have specialised in supporting only dentists in the UK and Ireland for over a hundred years, so we understand your needs
  • We provide our members with a personal service, so you are more than just a policy number
  • Our philosophy has always been based around decency and fairness, with an ethical and innovative approach to claims
Our dental students' plan

What is the plan?
Our dental students’ lump sum benefit plan, that will pay you £45,000/€60,000, if you can’t ever finish your degree and work as a dentist, because of certain illnesses or injuries.

How does it work?
Basically, you pay a monthly premium by direct debit and you will receive a one-off, cash lump sum payment for a valid claim. Your students’ plan will then end.

How much does the plan cost?
Just £5/€6.67 a month to help protect the financial investment you have made for your degree.

How do I apply?

You can apply for membership directly after obtaining your personalised illustration here. Once you have read it alongside our dental students' plan key features, then you can complete our online application form. If you would like a paper copy, please contact our member services consultants.

Alternatively, you can speak to an independent financial adviser.

What happens when I graduate?

You can apply for our foundation dentists’ package, which pays regular benefit payments if you can’t work because you are ill or injured, and are losing income.

This package offers you a substantial discount on our standard premium rates for up to 24 months after you graduate. As a student member, your application process for this package would be shorter, as you have already given us a lot of information.

Our foundation dentists plan gives you:

  • Low premiums: A substantially discounted income protection package for your time as a foundation dentist
  • An ‘own occupation’ definition of incapacity: This means that you can claim if you are too sick to perform the key functions of your own occupation, as a dentist
  • Tax-free benefits in the UK: All the benefits we pay you are currently free from income and capital gains taxes in the UK. This includes your claim payments and the funds in your bonus account
  • Claim security: You will receive benefit payments for as long as your claim is valid. We will never refuse a claim or cancel your plan simply based on the claims you have made
  • Overseas cover: You can make a claim even if you travel or live abroad
  • Our financial surpluses: As a mutual organisation we are owned by our members, so as a member you also receive a share of our financial surpluses, which builds up a fund for when you retire. For more information see shares

A student's case study

A dental student who had started their final year was hit by a car on a night out. They had very severe head injuries...

Read more case studies 


For further information, please read the key features of our dental students' plan and our rules.


If you have any questions, please contact our member services consultants by e-mailing or calling 020 7400 5710.


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