Dental
Specialist dental cover you can trust - designed to make you and your employees smile
ProductsUnum's dental products
Established, expert dental cover that is highly trusted and recognises the importance of good preventative healthcare. Our enhanced offering has been developed through a deep understanding of the diverse needs of your employees and their families.
Clear Extra
Radiant Extra
Why take out Dental Cover
Dental cover is an affordable, flexible health benefit that’s simple to administer. Unum Dental has been developed and built around evolving modern-day customer needs. It offers wide-ranging plans and immediate cover for preventative care and key restorative treatments.
So Unum’s dental insurance not only strengthens a benefits offering, but also contributes to maintaining the health and wellbeing of a workforce.
21% of employees - equivalent to 6.3 million people of working age – avoided dental appointments in 2023 due to the cost-of-living crisis*
*Research carried out by Censuswide between 2nd - 9th October 2023 amongst a nationally representative sample of 3,025 full-time and part-time British employees
Why UnumWhy Unum’s Dental cover?
A seamless, enhanced research-driven offering
Our digitally-led and consumer-focused cover offers increased reimbursement levels and fast automated claims payment. So customers aren’t out of pocket for any longer than they need to be.
Total health and wellbeing
Access to on-demand content such as webinars, podcasts and more, helping your clients support workplace health and wellbeing throughout the year.
Toothfairy access
Award-winning digital dental services provider Toothfairy offers employees swift access to high quality dentistry services, as well as support and guidance for everyday preventative dental care and routine treatment.
Online enrolment for voluntary cover — at no cost to employers
Roll out one of the most popular flexible health benefits at no additional cost for voluntary cover.
Introducing Toothfairy
All insured Unum Dental members have access to Toothfairy at no additional cost, making high-quality dentistry services available immediately. Toothfairy is an award-winning, dental app designed to help employees access dental care on demand and prevent future dental issues.
Toothfairy’s services are available via one easy-to-use bespoke Toothfairy app, providing help for dental emergencies, general advice and personalised oral health tips. All of which means that Unum’s Dental policies are now offering a way to help reduce employee absence due to oral health issues.
Services include:
- unlimited use of a dental chat helpline, manned by dentists1
- videos and articles on dental health
- Symptom Checker
- cosmetic treatment discounts
- video consultations and prescriptions2
- Unum’s Wellbeing Calendar
- retail ‘Discounts and savings’ provided by BenefitHub
- Unum’s claims portal
For more information check out our handy Toothfairy guide.
Toothfairy guide1 Available in app 7 days a week, core operating 9am – 8pm (response time within 24 hours)
2 at an additional cost to the employee which can be claimed back under the policy benefit limits.
Dental featuresKey benefits
Cover levels, annual limits and exclusions apply. Please refer to a benefit schedule for full details.
Visit any dental practice worldwide
Employees have the freedom to seek treatment at any NHS or private dental practice anywhere in the world.
Immediate cover
Make a claims as soon as cover starts, ensuring employees can benefit immediately.
Cover for Pre-existing conditions and pre-planned treatment
Employees can claim for treatment identified or recommended before cover starts, providing comprehensive, flexible cover for employees.3
Child and adult orthodontic cover
Financial support for employees and their insured children to receive orthodontic care.4
Access to retail discounts and savings
Powered by BenefitHub, Unum Dental customers get access to a wide range of savings and discounts on everyday spending and treats to cut costs
100% NHS reimbursement
Gives employees the confidence that NHS dental costs are covered in full.
Get a quoteSpecialist dental cover you can trust
Cover that is easy to understand, simple to implement and designed to meet the diverse needs of employers and employees (and their families).
Cover for preventative care and key restorative treatments along with access to digital dentist Toothfairy, Unum’s dental cover continues to help the working world thrive.
3 Excludes implants or bridges which are subsequently fitted to a pre-existing gap in the mouth, and mouth cancer which existed prior to joining the policy unless previously insured for dental treatment under another insurer’s policy immediately before joining this policy.
4 Adult Orthodontics on Clear and Radiant Extra plans only. Excludes orthodontics treatment charges for adults graded 1–3 on the Index of Orthodontic Treatment Need (IOTN) scale and child orthodontics treatment charges for children insured on the policy who are aged over 25.
Toothfairy is a trading name of Tooth Fairy Healthcare Limited (“Toothfairy”). Toothfairy is completely independent of, and separate from, Unum Limited and any Unum insurance policy. Any engagement with Toothfairy or use of the Toothfairy app is subject to Toothfairy’s terms and conditions and to Toothfairy’s privacy policy. Unum Limited will not be involved in the provision of the Toothfairy service (which includes any services provided through the Toothfairy app) in any way whatsoever. Unum Limited does not accept any responsibility or liability for the Toothfairy service and makes no warranties or representations about it (or its constituent parts) or about the suitability of the Toothfairy service. Unum Limited will not receive any payment or commission from Toothfairy arising from any involvement by the employee with Toothfairy. The choice to engage with Toothfairy, is entirely up to the employee and Unum Limited disclaims any liability in relation thereto. The decision to proceed with Toothfairy is solely on the basis provided herein. Complaints, concerns, claims or questions regarding Toothfairy should be made to Toothfairy directly.
Savings and discounts / Toothfairy services (the ‘Services’) are provided to Unum Limited (“Unum”) customers by third-party specialist providers chosen by Unum. Unum is not the provider of the Services. The Services are entirely separate from the insurance policy provided by Unum. Access to the Services is facilitated by Unum at no cost to the Unum customer, and Unum may change or withdraw access to the Services at any time. Use of the Services are subject to the terms and conditions of the relevant third-party specialist providers. Services are available to UK residents only. For further information, please go to unum.co.uk/frequently-asked-questions/services.
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