dentalCreated with Sketch.

Dental

Helping your clients make the right choice

Request a quote
Dental toothbrush in a cup

Products
Unum's dental products

A benefit that helps employees with the costs of accessing high-quality dental care with a wide range of flexible products to suit your business and budget

Clear

Six levels of increasing cover laid out in a straightforward menu format.

Radiant

Offers 5 levels of percentage reimbursement cover with treatments split across three categories: Preventative, minor and major.

Overview
What is Dental cover?

Dental cover is an insurance policy which offers employees and their insured dependants help with the cost of both minor or major dental care such as check-ups, hygienist visits, fillings, crowns and even dental implants (not available on all policies). It reimburses insured individual for eligible treatments up to the policy benefit limits.*

Useful resources

What is dental cover
PDF
Enrolment portal
PDF
Dental communication timeline
PDF

About Dental
More about Dental

Colourful toothbrushes

How does it work?

Dental cover can be funded by:

  • Employers
  • Employees
  • Both employers and employees (i.e. the employer funds a basic level of cover and employees can opt to upgrade)

Employees can also opt to add partners and/or children to their policy at an additional cost.

Dad and son brushing teeth

Why Dental cover?

Finding an NHS dentist is increasingly tricky. Moreover, NHS adult dental charges are reviewed regularly — in England they have increased cumulatively by more than 20% in the past 5 years alone.*

As a result, employees are struggling to access NHS care and get affordable dental treatment for themselves and their families.

Employers can offer a solution with Dental cover, something that’s easy to administer, simple to use and one of the most popular flexible health and wellbeing benefits companies can offer their employees.

*21% cumulative increase in the cost of the average of the three bands of NHS adult dental charges in England 2016/17-2020/21

Get a quote
Get a Corporate Dental Insurance quote

If you are an employer with more than four employees or an adviser acting on behalf of a client, please complete the form and we’ll get in touch.

Dental features
Key benefits

*Cover levels, annual limits and exclusions apply. Please refer to a benefit schedule for full details.

  • Fill 1Created with Sketch.

    Reimbursement

    100% reimbursement of NHS charges

  • Fill 1Created with Sketch.

    Immediate cover

    From the day your policy starts

  • Fill 1Created with Sketch.

    Worldwide cover

    Visit any dentist anywhere in the world

  • Fill 1Created with Sketch.

    Choose any dentist

    Employees can visit any NHS or private practice

  • Fill 1Created with Sketch.

    Fast claims payment

    Snap a picture of an itemised receipt, upload and submit to our simple, online Unum Dental member portal

  • Fill 1Created with Sketch.

    Child orthodontic cover

    For insured children at an additional cost

  • Fill 1Created with Sketch.

    Retail discounts

    Access to retail discounts and savings powered by BenefitHub
    *BenefitHub Limited is a third-party discounts and benefits provider and is completely independent of Unum Limited

  • Fill 1Created with Sketch.

    Pre-existing conditions

    Cover for pre-existing conditions (excluding mouth cancer)

  • Fill 1Created with Sketch.

    Cover for planned and pending treatments

    Where need for treatment is identified but hasn’t begun

Dental articles you might be interested in

Tools for communicating your dental insurance policy

Why it’s time to focus on oral health

Read article

Prioritising oral health will be critical in 2021

We're here to help

Have a question or can’t find what you’re looking for? Get in touch with us.

Contact us