PROVIDER WARRANTY SERVICES AGREEMENT

(England & Wales)

Date: 8/05/2026

This Provider Warranty Services Agreement (“Agreement”) is entered into between:

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1. PARTIES

1.1 Warranty Company

SwissDental Ltd, company number 18446723, registered office at SwissDental Ltd, 123 Main St, London, EC1A 1AA, England. (“SwissDental”, “we”, “us”, “our”).

1.2 Provider

The dental practice and/or individual clinician identified in the Provider Schedule (“Provider”, “you”, “your”).

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2. DEFINITIONS

“Certificate” means the limited discretionary warranty certificate issued to an eligible patient in relation to a Covered Treatment.

“Claim” means a request for reimbursement or contribution submitted under a Certificate.

“Clear-Claim File” means the complete digital evidence bundle specified in Clause 10.

“Covered Treatment” means:

• crowns,
• bridges,
• veneers,
• direct composite restorations,
• molar root canal therapy,
• endosteal dental implants,

and any additional treatment categories expressly approved by us in writing.

“Failure” means a demonstrable material failure of the Covered Treatment itself under normal functional use and under maintained oral conditions, including:

• loss of retention,
• adhesive failure,
• material fracture of the restoration,
• manufacturing defect,
• or loss of structural integrity,

where such failure:

• is not attributable to trauma,
• neglect,
• disease progression,
• poor oral hygiene,
• parafunctional activity,
• or patient non-compliance.

Failure does not include biological deterioration of the surrounding dentition, supporting tissues, or oral environment.

“Net Fee” means the amount actually received by the Provider from the patient or insurer excluding:

• laboratory fees,
• finance charges,
• refunds,
• discounts,
• commissions,
• VAT (where applicable).

“Provider Materials” means all records, radiographs, photographs, laboratory prescriptions, consent forms, communications, and clinical documentation relating to a Covered Treatment or Claim.

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3. NATURE OF SERVICE

3.1

The Warranty Company provides a discretionary commercial warranty administration service.

3.2

Nothing in this Agreement constitutes:

• an insurance contract,
• regulated insurance activity,
• insurance mediation,
• assumption of clinical liability,
• or a guarantee of payment.

3.3

All Claim decisions remain solely at our absolute discretion, acting reasonably and in good faith.

3.4

The Provider remains solely responsible for:

• diagnosis,
• treatment planning,
• consent,
• clinical execution,
• patient communication,
• aftercare,
• and all statutory/professional obligations.

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4. AUTHORISATION TO OFFER CERTIFICATES

4.1

You may not market, issue, or sell Certificates unless:

• this Agreement has been executed,
• you have completed our compliance onboarding,
• your professional indemnity cover is not less than £2,000,000,
• and your GDC registration remains active and unrestricted.

4.2

We may suspend or terminate participation immediately if:

• your indemnity lapses,
• your GDC registration is suspended, restricted, or removed,
• you become insolvent,
• or we reasonably believe patient safety, compliance, or reputational integrity is at risk.

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5. FEES & PAYMENT

5.1

The Provider shall collect the warranty fee from the patient and remit the full amount to us within seven (7) banking days.

5.2

Late remittance accrues interest at:

8% per annum above the Bank of England base rate,

calculated daily.

5.3

We reserve the right to:

• suspend Certificates,
• reject Claims,
• or terminate this Agreement

for persistent late remittance.

5.4

Approved Claim payments shall be made to the Provider’s nominated UK business bank account within sixty (60) days of final approval.

5.5

We are not party to:

• associate agreements,
• employment disputes,
• fee-sharing arrangements,
• or patient refund obligations.

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6. PROVIDER OBLIGATIONS

The Provider warrants and undertakes that:

6.1

All Covered Treatments shall be carried out:

• with reasonable skill and care,
• in accordance with accepted UK dental standards,
• and in compliance with manufacturer instructions for use (“IFU”).

6.2

Contemporaneous clinical records shall be maintained in a complete and accurate manner.

6.3

All indirect adhesive restorations must include:

• clinically appropriate isolation,
• documented bonding protocol,
• and photographic evidence where reasonably possible.

6.4

Laboratory work must originate from:

• UK-registered laboratories,
• or laboratories holding recognised quality certification including DAMAS or ISO 13485.

6.5

The Provider shall retain all Provider Materials for a minimum of seven (7) years.

6.6

The Provider shall not knowingly issue a Certificate for:

• poor prognosis cases,
• untreated periodontal disease,
• active uncontrolled caries,
• severe parafunctional patients,
• or clinically unstable dentitions.

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7. PATIENT MAINTENANCE REQUIREMENTS

7.1

Certificate holders must remain enrolled on an appropriate recall programme.

7.2

A recall interval exceeding nine (9) months without documented clinical justification shall render the Certificate void.

7.3

Each recall should reasonably include:

• periodontal review,
• radiographic review where clinically indicated,
• occlusal assessment,
• evaluation of parafunctional activity,
• and reinforcement of appliance compliance where applicable.

7.4

If a patient fails to attend, the Provider must retain evidence of at least one written reminder.

7.5

Continued validity of the Certificate is conditional upon:

• attendance at recommended recalls,
• maintenance of satisfactory oral hygiene,
• compliance with protective appliance instructions,
• compliance with professional advice,
• and prompt reporting of symptoms or defects.

Any lapse in maintenance obligations may render the Certificate void at our discretion.

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8. CLAIM NOTIFICATION

8.1

Claims must be notified within ten (10) business days of clinical awareness of Failure.

8.2

Late notification may result in:

• reduced reimbursement,
• partial rejection,
• or complete denial of the Claim.

8.3

No Claim shall be considered where remedial treatment has already commenced before submission unless emergency intervention was clinically necessary.

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9. EXCLUSIONS

The following are expressly excluded from cover:

• accidental damage,
• trauma of any kind,
• sports injury,
• assault,
• falls,
• road traffic incidents,
• biting excessively hard objects,
• misuse or abnormal function,
• bruxism or clenching,
• lack of night-guard compliance,
• poor oral hygiene,
• untreated periodontal disease,
• recurrent caries,
• smoking-related complications,
• peri-implantitis,
• bone loss,
• endodontic re-infection,
• biological failure,
• non-restorable tooth fracture,
• root fracture,
• cosmetic dissatisfaction,
• shade mismatch,
• expected wear,
• failure of surrounding tooth structure,
• changes in occlusion,
• patient non-attendance,
• failure to attend recalls,
• failure to follow clinical advice,
• systemic disease affecting prognosis,
• pregnancy-related periodontal deterioration,
• medications affecting oral health,
• treatment modified by another clinician,
• temporary restorations,
• experimental materials or techniques.

Only the direct material integrity of the Covered Treatment itself is eligible for consideration.

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10. CLEAR-CLAIM FILE REQUIREMENTS

The Provider must submit a complete Clear-Claim File containing:

• pre-operative radiographs,
• post-operative radiographs,
• operative photography where available,
• laboratory documentation,
• material batch/lot information where available,
• recall history,
• narrative Failure summary,
• and any additional information reasonably requested.

10.1

Incomplete submissions may be rejected without further review.

10.2

If requested documentation is not supplied within five (5) business days of request, the Claim may be permanently denied.

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11. CLAIM ASSESSMENT

11.1

Claims shall be assessed by:

• our appointed dental adviser,
• external consultant,
• or internal review panel.

11.2

We may request:

• additional records,
• independent clinical examination,
• specialist opinion,
• or direct communication with the patient.

11.3

We reserve the right to:

• approve,
• partially approve,
• defer,
• or deny any Claim.

11.4

The Warranty Company retains absolute discretion in determining:

• whether oral conditions were adequately maintained,
• whether a failure was biological or material in nature,
• whether patient compliance was satisfactory,
• and whether a Claim falls within the intended scope of the Certificate.

11.5

This programme is intended solely for low-risk restorative material failure under controlled maintenance conditions.

11.6

Our maximum liability per Claim shall not exceed:

the original Net Fee of the Covered Treatment.

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12. FRAUD & MISREPRESENTATION

12.1

Any:

• falsified records,
• altered radiographs,
• fabricated photographs,
• misleading statements,
• concealment of material facts,
• or knowingly inaccurate submissions

shall result in immediate Claim denial and termination.

12.2

We reserve the right to report suspected fraud to:

• the GDC,
• indemnity providers,
• regulators,
• law enforcement,
• or fraud prevention agencies.

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13. LIMITATION OF LIABILITY

13.1

To the maximum extent permitted by law, we shall not be liable for:

• indirect losses,
• consequential losses,
• reputational damage,
• patient complaints,
• loss of earnings,
• clinical negligence claims,
• or loss of goodwill.

13.2

Our total aggregate liability under this Agreement shall not exceed:

the total warranty fees paid to us by the Provider during the preceding twelve (12) months.

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14. DATA PROTECTION

14.1

Both parties shall comply with:

• UK GDPR,
• the Data Protection Act 2018,
• and applicable confidentiality obligations.

14.2

The Provider warrants it has obtained all necessary:

• patient consents,
• privacy notices,
• and lawful bases for data sharing.

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15. TERMINATION

15.1

Either party may terminate this Agreement on thirty (30) days’ written notice.

15.2

We may terminate immediately for:

• fraud,
• regulatory action,
• reputational harm,
• insolvency,
• or serious breach.

15.3

Termination does not affect Certificates already issued unless fraud or material non-compliance is subsequently discovered.

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16. FORCE MAJEURE

Neither party shall be liable for delay or failure caused by events beyond reasonable control including:

• cyberattack,
• pandemic,
• governmental restriction,
• infrastructure failure,
• war,
• industrial action,
• or natural disaster.

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17. GOVERNING LAW & JURISDICTION

This Agreement shall be governed by the laws of England & Wales.

The courts of England & Wales shall have exclusive jurisdiction.

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18. ENTIRE AGREEMENT

This Agreement constitutes the entire agreement between the parties and supersedes all prior discussions, negotiations, representations, or understandings.

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PROVIDER SCHEDULE

Provider Name: ______________________

Practice Name: ______________________

GDC Number(s): ______________________

Registered Address: ______________________

Indemnity Provider: ______________________

Policy Number: ______________________

Authorised Signatory: ______________________

Signature: ______________________

Date: ______________________