Dental policies vary in structure and benefit level, but they generally help pay for dental services, either by providing pre-determined (indemnity) benefit amounts for specific dental services, or as a percentage of an agreed-upon amount for each service. Some provide access to discounted charges in exchange for using dental providers who have agreed to these discounted charges.
Growth for these types of policies has been steady, with earned premium growth averaging just under 7% per year since 2020:
