My wisdom tooth needs to come out but it says the policy only covers ‘active symptoms’
I have a medical insurance policy with Bupa that doesn’t cover day-to-day dentistry, except for “surgical operations”. At a recent dental checkup, I was told I needed a wisdom tooth removed by an oral surgeon, so I filed a claim but Bupa has rejected it because I didn’t have any “active symptoms”. This isn’t a defined term anywhere in my policy, its wider glossary or its T&Cs.
I was told the policy will only provide cover where there are acute symptoms, “such as recurrent pain or infections that require treatment via antibiotics”.