If you hold a medical policy with Old Mutual, your Old Mutual dental cover may help pay for dental treatment you already need. Many members are unsure whether their plan stretches to the dentist, or how to use it once they arrive. The good news is that the process is usually straightforward, and the team at DentMind CBD Dental Centre in Nairobi CBD accepts Old Mutual, so you can put your benefit to good use. This guide explains what Old Mutual dental cover typically includes, how to use it, and what to check before you book.
Who Are Old Mutual?
Old Mutual Insurance in Kenya, known for many years as UAP Old Mutual, is one of the country’s leading medical insurers, with its headquarters in Nairobi.1 Its medical plans are widely used by individuals, families and companies across the region, which means a large number of Kenyans carry an Old Mutual card in their wallet.
The company’s health products sit mainly under the AfyaImara range, which includes cover for individuals, families and older members, alongside group schemes arranged through employers.1 Each plan is built around inpatient care, with outpatient, dental, optical and maternity offered as part of the package or as added benefits, depending on the option chosen.
What Is Old Mutual Dental Cover?
Old Mutual dental cover is the part of your medical policy that helps meet the cost of dental treatment. On most plans it forms part of the outpatient benefit rather than a standalone product, so you generally need outpatient cover for the dental portion to apply.2
According to Old Mutual’s own description of the benefit, dental cover is intended for routine dental care such as consultations, extractions and fillings.3 In everyday terms, that means the treatments most people visit the dentist for, from a check up to having a troublesome tooth removed, often fall within the scope of the benefit.
It is worth remembering that dental cover works within set limits. Every plan carries its own annual dental limit, and once that amount is used up for the year, further treatment is settled personally. Knowing your limit in advance helps you plan your care sensibly across the year.
What Does Old Mutual Dental Cover Usually Include?
While the exact detail varies from one plan to the next, routine dental treatment is the heart of what the benefit is designed for. Typically, that covers everyday care such as:
- Dental consultations and examinations
- Fillings for decayed or damaged teeth
- Tooth extractions
More involved or cosmetic work is treated differently. Procedures such as crowns, braces, implants or teeth whitening are often either excluded or subject to separate rules, and some may need approval before they go ahead. If you are considering treatment beyond the routine, it is always best to confirm the position with Old Mutual first, so there are no surprises.
Certain treatments may also require pre-authorisation, which simply means the insurer approves the treatment before it is carried out. Our front desk can help guide you through this step where it applies, so you are not left to sort it out alone.
How to Use Your Old Mutual Dental Cover at DentMind
Using your Old Mutual dental cover at DentMind is designed to be simple. Following a few easy steps helps everything run smoothly on the day.
1. Check that your plan includes the dental benefit. Since dental usually sits within outpatient cover, confirm that your policy carries an outpatient and dental limit for the year.
2. Mention Old Mutual when you book. Let us know you intend to use your cover when you make your appointment, so we can prepare accordingly.
3. Bring your medical card and ID. Carry your Old Mutual medical card along with a form of identification, as these are needed to verify your membership.
4. Let us confirm your cover. When you arrive, our team checks your details and, where a treatment needs it, helps arrange any pre-authorisation with the insurer.
5. Receive your treatment. Once your cover is confirmed, you can go ahead with your care. Depending on your specific policy, eligible treatment may be settled directly through your benefit.
Because arrangements differ between policies, some treatments may be handled on a reimbursement basis rather than settled directly. Your own policy documents, or a quick call to Old Mutual, will tell you exactly how yours works.
What to Check on Your Policy Before You Book
A little preparation goes a long way. Before your visit, it helps to confirm a few details so you know precisely where you stand.
First, check your annual dental limit and how much of it remains for the year. Second, note whether any waiting period applies, as newer individual policies sometimes require you to hold the cover for a set time before the dental benefit becomes active. Third, ask whether the treatment you need requires pre-authorisation. Finally, confirm that DentMind appears on your provider network, which you can do by asking us or by checking with Old Mutual directly.
If you also hold cover with another provider, you may find our related guides useful. We have written a similar walkthrough for Fidelity Insurance dental cover and explained how AAR Insurance is accepted at DentMind, and you can see the full picture on our accepted insurance companies page.
Using Old Mutual at DentMind CBD Dental Centre
Making the most of your Old Mutual dental cover comes down to knowing what your plan includes and letting us help with the rest. From a routine check up to a filling or an extraction, our team in Nairobi CBD is used to working with Old Mutual members and will guide you through each step so your visit is calm and easy.
If you are ready to book, you can reserve your appointment through our online portal, message us on WhatsApp or visit our website to learn more, and we are open every day of the week to suit your schedule. Bringing your smile and your Old Mutual card is all it takes to get started.
Yes, on most plans. Dental usually forms part of the outpatient benefit and covers routine care such as consultations, extractions and fillings, within your annual dental limit. Check your policy schedule to confirm your exact cover.
Yes. DentMind CBD Dental Centre accepts Old Mutual, so you can use your cover for eligible treatment at our Nairobi CBD clinic.
Usually, yes. On most Old Mutual plans the dental benefit sits within outpatient cover, so you generally need the outpatient benefit for dental treatment to apply.
Some treatments do. Routine care is often straightforward, while more involved procedures may need the insurer’s approval first. Our front desk can help arrange this where it applies.
Bring your Old Mutual medical card and a form of identification. It also helps to know your remaining dental limit for the year.
FOOTNOTES
1 Old Mutual Kenya. (2026). Health insurance (AfyaImara range). https://www.oldmutual.co.ke/personal/insure/health-insurance/afyaimara-family-cover/
2 Old Mutual Kenya. (2026). Personal and family medical cover — dental and optical within the outpatient benefit. https://www.oldmutual.co.ke/personal/insure/health-insurance/afyaimara-family-cover/
3 Old Mutual Kenya. (2026). Group medical cover — dental benefit (routine dental consultations, extractions and fillings). https://www.oldmutual.co.ke/business/group-medical-standard/
