You will also see the flush setting called the gypsy or burnish setting. A hole is drilled into the metal band, and the stone sunk within in. The surround metal is then gently hammered around the stone to encircle it neatly and securely. Because of this process, the setting is not the best one for softer stones such as opals or turquoise, which could become damaged or chipped.

In short: A flush (gypsy) setting sinks the diamond level with the band's surface so the table sits flat with the metal — the most snag-proof setting style, popular for men's engagement rings and active wearers. Trade-off: roughly 15-20% less light entry than prongs, reducing brilliance. Best with smaller stones (0.10-0.50ct) and high-clarity grades that don't rely on light play. Works in 18kt yellow, white, rose gold, and platinum.

In this type of ring, the diamond is flush with the metal, making it almost completely protected from loss or chipping, giving the wearer a valuable sense of security. It is also a very good choice for the bride-to-be who has a more active lifestyle or with small children, as there is no chance of the sharp edges of the stone catching on skin or fabric.

The skilled jeweller can set any shape or size of stone within this kind of setting, provided the metal band is deep enough to take it. If the stone is larger in size than 2mm, however, then typically you will require a bezel on the ring which will give the space required for the depth of the stone. Generally, this type of setting will cost a little more than a prong-setting, but will still be less expensive than, for instance, a bar or invisible setting. Round stones tend to be easier to mount flush, though, so expect to get better value from your ring than if you have a princess-cut or other unusually shaped diamond to work with.

Also, in terms of value for money, this is a good setting to choose if you are on a budget. Because only the surface of the stones will be visible to the naked eye, it is more forgiving in terms of the quality of stones used. Small flaws will be concealed more below the surface.