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Unum's dental products

A benefit that helps employees with the cost of routine and essential dental treatments, with a wide range of flexible products to suit your business and budget


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


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

What is Dental cover?

Dental cover is an insurance policy which offers employees and their insured dependants (at an additional cost) 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 individuals for eligible treatments up to the policy benefit limits.*

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

Useful resources

What is dental cover
Voluntary Dental cover information
Dental communication timeline

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
**Survey, conducted in February 2020 among readers of, received 269 responses.

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.

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    100% NHS

    100% reimbursement of NHS charges

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    Immediate cover

    From your policy start date

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    Worldwide cover

    Visit any dentist anywhere in the world

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    Choose any dentist

    Employees can visit any NHS or private practice

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    Fast claims payment

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

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    Child orthodontic cover

    For insured children at an additional cost

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    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

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    Pre-existing conditions

    Cover for pre-existing conditions (excluding mouth cancer)

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    Cover for planned and pending treatments

    Where need for treatment is identified but hasn’t begun

Communicating dental policy Unum

Tools for communicating your Dental Insurance policy

Here is everything you need to engage and promote your Dental benefit to your workforce, helping drive maximum take-up to maintain your employees' oral health. Feel free to use anything you like.

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