Payment Options

We try to make our services affordable value

Treatment Fees

Our goal is not to let expense prevent you from benefiting from the quality of care you desire and need.
Our fees reflect the advanced skills of our dentists and ceramist technicians.
We use only the very finest dental materials and dental equipment.

Every client receives a full treatment plan (after discussion of all options available) with a clear explanation of estimated costs and finance options.

There are no hidden surprises!

Please Click here to see a list of our fees for your guidance.

Payment options are available

We accept major credit cards (Mastercard & Visa), debit cardsDirect Debit payments or BACS transfer.
Treatment fees may be split over several visits.

We do not accept personal or business cheques as a form of payment.

We are happy to work with any insurance provider that you may have a policy with. We will provide you with detailed receipts so that you may be reimbursed by your insurer on full payment of our fees.

Credit agreements underwritten by a bank can also be provided through the practice to make our services affordable to all.

0% finance can also be arranged for most treatments over 3-12 months. So no need to delay your treatment, you could start right away and pay over a period of time that suits you.

Low-rate subsidised finance can also be provided to make all treatments affordable over 12-60 months.

Click here to find out what your treatment may cost with our credit facilities.

Skin & Smiles Ltd trading as Skin & Smiles with its address at Skin & Smiles, 18 Whippendell Road, Watford, WD18 7LU, United Kingdom.

Skin & Smiles Ltd is an introducer appointed representative of Gulshan Kumar Murgai, who is authorised and regulated by the Financial Conduct Authority (FRN 680728) as a credit broker, and will only introduce you to one suitable lender based on your choice of loan.

Skin and Smiles is also a trading name of Gulshan Kumar Murgai FRN 680728.

Credit services are subject to status. Written information is available on request.


Practice membership scheme

Our client membership scheme, The Smile Care Plan, allows you to spread the cost of regular dental examinations and preventive hygiene treatments.

The adult plan offers discounts of up to 20% on most treatments and up to 10% on specialist treatments.

Click here
 to read more about the plan.
If you are over 16 years of age, have read and accepted the terms detailed in the leaflet and would like to join this plan please click the following link to set up regular monthly payments.
You will be required to complete and sign an agreement that will be sent to you separately.

We believe you should feel confident in your smile and happy in your skin. We are confident that we can help you achieve the very best result possible no more than you deserve.

Last Updated on 03/06/24 by Webmaster


01923 226336



Stephanie K
Stephanie K
12 April 2022
Every visit to this clinic has been a pleasure, not something one would normally hear about the dentists, but I wanted to share my experience at Skin and Smiles, I almost look forward to the next visit. I took advantage of a first free consultation in which my options were outlined, and led onto several others for investigation, 3D scanning, Xrays, and discussions about what I wanted to achieve. Dr Murgai is honest in what can be achieved, is most detailed in his explanations of treatment and costs. His range of high-tech equipment is outstanding and it complements his professional skill and personable manner, along with his in-depth knowledge and consummate expertise has ensured each visit has been most beneficial. He explained each step of the process and allowed me several options with a full financial breakdown of costs and the honest expectation of the desired outcome. There was no pressure to chose the any particular options, the possibilities of what could be achieved and at what price was my choice and I’m so very pleased with the work. The team at this clinic are pleasant, professional and most importantly are friendly yet efficient; nothing is too much trouble. I always feel confident in their capacity to put me at my ease. The practice manager phones a couple of days after major works to enquire how I feel and I know that if there was a problem, their 24-hour support line is there if needed. I know they would accommodate me at very short notice, later the same day if needed. The team which surrounds Dr Murgai are wonderful, his practice manager, his dental nurses, his hygienist, and his laboratory technicians are superb and experts in their particular dental field. My teeth/gums have deteriorated over the years and whilst I’ve had treatment by other dentists over the years, it was time to seriously assess my long-term prospects. Dr Murgai took a holistic approach of my mouth, and we discussed the options available. This was reassuring and I didn’t feel as though I was just another customer. The different costs of alternative treatments were thoroughly explained in a treatment plan and I was given the choice of which of the packages I wanted. I’ve felt safe and reassured in every way since my first free consultation to my very soon to be completed transformation. I had contemplated going abroad for implants as the cost was less, I can emphatically state that having a local professional expert clinic was been the best option for me. I am so pleased I chose Skin and Smiles for my work; it’s been worth the investment. They are dedicated professionals and worthy of my utmost praise and recommendation.
Marian Moldovan
Marian Moldovan
8 February 2022
They have done a very good job, even though they have pulled my tooth out! A team that makes you feel comfortable and relaxed. Great job Skin & Smile 👏
Tony Dolente
Tony Dolente
15 December 2021
After searching for a while to find a decent dentist I found skin and smiles just by reading the reviews I knew I would be in safe hands ..and I was right , I had 4 very loose bottom teeth and I opted for implants , it was a very long journey for me as I started in February and only recently finished but it was well worth it, Dr Gulshan and all the staff were very professional and friendly from start to finish , and I will be continuing to use there service from now on , keep up the good work ... and thank you for all you done .. Wishing you all a very happy Xmas and a happy new year ... 🙂
Helen Hopping
Helen Hopping
2 August 2021
I went to skin and smiles as I had previously been unhappy with 2 other dentists and I was aware that I could be in danger of losing another tooth. I wanted one place to go to get everything sorted and not to have to look for a specialist for crowns, implants etc Very professional service and I was immediately made to feel at ease and I knew I had made the right choice I had to have a crown on a tooth that was cracked and this was all sorted within the same appointment, very impressive I also needed an implant and whilst this took several months from start to finish, I knew I was in good hands. I had a little discomfort which dissipated after a few days I am so pleased with how my teeth look and would definitely recommend them
Gembiczki Enikő
Gembiczki Enikő
5 July 2021
The best dental surgery in Watford and around I am more than happy to start my treatment with S&S. It was a long journey, but you made my treatment so relaxing. More than happy to go back any time. Friendly environment and kind people ready to help you.🤗 A big thank you to the team 🙏🏽
Kristina Taylor
Kristina Taylor
30 October 2020
I recently completed the process of a tooth implant which was rather lengthly as it also involved an extraction and bone graft. I cant recommend Dr Murgai and his team highly enough. Professional dentistry at its best. Thank you I am thrilled with the results Kind regards Kristina Taylor
Graham Smith
Graham Smith
21 October 2020
Just a few words to say thanks to Dr Murgai and all the team at Skin and Smiles post my treatment for a dental implant. Firstly I would like to echo the reviews from those who have reservations regarding dental treatment. As someone who is anxious with dental care I can say that my treatment was first class. I was completely put at ease by their care, communication and professionalism. In my case the treatment was complex, including an extraction, yet was carried out without causing me any discomfort or worry and I am extremely pleased with the quality of the work Dr Murgai has undertaken. Their surgery is modern and well equipped while the interior is well lit and comfortable. It really does put you at ease from the start. It is also within easy walking distance of Watford tube station. I thoroughly recommend this practice and would have no hesitation in returning in future should I require similar treatment.

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