Plus...

100% reimbursement on NHS treatments up to annual limits

Complete family cover – add your partner and children to your plan*

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Dental Insurance

Cover towards the cost of routine dental check-ups for you and your family, and towards more complex dental issues that require treatment or procedures.

Take the bite out of your dentist bills

  • Endorsed by your employer
  • Visit any dentist of your choice
  • Worldwide cover for dental treatment
  • Reimbursement for implants up to the policy limits
  • Emergency cover including overnight hospital stays (excluding in the ROI)

Choose from three levels of cover to best suit your needs

  • Essential
  • Standard
  • Premium

* At an additional cost; children covered up to 18th birthday (or 21st birthday if they are in full time education)

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Product features

Provider
  • Unum Limited (Unum Dental)
Benefits
  • Please see Benefits Table below
Type of coverage
  • One year contract with the employer
  • Voluntary cover is funded by the employee
  • Flexible cover is funded by the employer, offered through a ‘flex pot’ or jointly funded by the employer and employee
Who can be covered?
  • The employee is covered, their partner and dependent children are optional
  • Employee must be aged at least 16 years old when selecting cover
  • Unlimited number of children covered up to the annual limit and to 18th birthday (or 21st birthday if they are in full time education)
  • Annual limits shared between all covered children
Cost of cover
  • Monthly premiums (rates available on request)
  • Dependent on cover level and family cover chosen
  • Employee premiums are collected by the employer, deducted from the employee’s monthly pay
What is not covered?
  • Treatment directly or indirectly resulting from mouth cancer conditions which existed before cover under the policy started
  • Any procedure which is purely cosmetic and not necessary to maintain or restore dental health
  • Orthodontics for adults
  • Treatment carried out before cover starts or after cover ends
  • Benefits for overnight hospital stays in the Republic of Ireland (ROI)
Changing cover
  • Cover level can be either increased or decreased following a specified lifestyle event (e.g. marriage or birth of a child) or during annual enrolment
Rate guarantee
  • Rates are guaranteed for two years
  • Terms can be reviewed and amended if there is a significant change to the employer’s business
  • Unum Limited (Unum Dental)
  • Please see Benefits Table on the next page
  • One year contract with the employer
  • Voluntary cover is funded by the employee
  • Flexible cover is funded by the employer, offered through a ‘flex pot’ or jointly funded by the employer and employee
  • The employee is covered, their partner and dependant children are optional
  • Employee must be aged at least 16 years old when selecting cover
  • Unlimited number of children covered up to the annual limit and to 18th birthday (or 21st birthday if they are in full time education)
  • Annual limits shared between all covered children
  • Monthly premiums (rates available on request)
  • Dependent on cover level and family cover chosen
  • Employee premiums are collected by the employer, deducted from the employee’s monthly pay
  • Treatment directly or indirectly resulting from mouth cancer conditions which existed before cover under the policy started
  • Any procedure which is purely cosmetic and not necessary to maintain or restore dental health
  • Orthodontics for adults
  • Treatment carried out before cover starts or after cover ends
  • Benefits for overnight hospital stays in the Republic of Ireland (ROI)
  • Cover level can be either increased or decreased following a specified lifestyle event (e.g. marriage or birth of a child) or during annual enrolment
  • Rates are guaranteed for two years
  • Terms can be reviewed and amended if there is a significant change to the employer’s business

Benefits

 
  Essential Standard Premium
Overall limit
Annual limit for all listed treatment1 N/A £950 £1,250
NHS
100% NHS dental cover
Check-ups
Examinations (annual limit) 100% NHS £50 £60
X-ray
Small x-ray (4 per policy year) 100% NHS £4 £5
Medium x-ray (4 per policy year) 100% NHS £7 £9
Panoral (large) x-ray (1 per policy year) 100% NHS £11 £15
Scalings
With a dentist (2 per policy year) 100% NHS £13 £17
With a hygienist (2 per policy year) 100% NHS £23 £30
Fillings
Silver filling - 1 surface 100% NHS £12 £15
Silver filling - 2 surfaces 100% NHS £14 £15
Silver filling - 3 surfaces or more 100% NHS £17 £23
White filling - 1 surface 100% NHS £18 £22
White filling - 2 surfaces 100% NHS £20 £25
White filling - 3 surfaces or more 100% NHS £25 £35
Pin for filling 100% NHS £9 £11
Root treatments
Root canal - Incisor/Canine 100% NHS £35 £45
Root canal - Premolar 100% NHS £46 £60
Root canal - Molar 100% NHS £68 £80
Apicectomy 100% NHS £38 £50
Extractions
Surgical extraction 100% NHS £40 £50
Extraction 100% NHS £15 £20
Veneers and inlays
Veneer (prior approval required) 100% NHS £70 £80
Inlays 100% NHS £80 £90
Implants, crowns and bridges
Implant² 100% NHS £260 £320
Crown 100% NHS £110 £130
Post for crown 100% NHS £20 £30
Conventional bridge
(any number of units)
100% NHS £260 £320
Adhesive bridge
(any number of units)
100% NHS £130 £160
Re-fix, re-cement crown or bridge 100% NHS £15 £20
Dentures
Acrylic upper or lower denture 100% NHS £80 £100
Acrylic upper and lower denture 100% NHS £160 £200
Chrome upper or lower denture 100% NHS £130 £160
Chrome upper and lower denture 100% NHS £260 £320
Repair or reline denture 100% NHS £25 £30
And the rest
Anaesthetic (per visit) 100% NHS £50 £60
Child orthodontics (annual limit)³ 100% NHS £250 £320
Mouthguards - including sports guard 100% NHS £40 £45
Emergency charge 100% NHS £25 £30
Overnight hospital stay - excl. ROI
(1 per policy year)
100% NHS £30 £35
Accident/injury (annual limit) N/A £950 £1,250
Mouth cancer £10,000  £10,000  £10,000
Annual limit for all listed treatment1 N/A
100% NHS dental cover
Examinations (annual limit) 100% NHS
Small x-ray (4 per policy year) 100% NHS
Medium x-ray (4 per policy year) 100% NHS
Panoral (large) x-ray (1 per policy year) 100% NHS
With a dentist (2 per policy year) 100% NHS
With a hygienist (2 per policy year) 100% NHS
Silver filling - 1 surface 100% NHS
Silver filling - 2 surfaces 100% NHS
Silver filling - 3 surfaces or more 100% NHS
White filling - 1 surface 100% NHS
White filling - 2 surfaces 100% NHS
White filling - 3 surfaces or more 100% NHS
Pin for filling 100% NHS
Root canal - Incisor/Canine 100% NHS
Root canal - Premolar 100% NHS
Root canal - Molar 100% NHS
Apicectomy 100% NHS
Surgical extraction 100% NHS
Extraction 100% NHS
Veneer (prior approval required) 100% NHS
Inlays 100% NHS
Implant2 100% NHS
Crown 100% NHS
Post for crown 100% NHS
  100% NHS
Conventional bridge (any number of units) 100% NHS
Adhesive bridge (any number of units) 100% NHS
Re-fix, re-cement crown or bridge 100% NHS
Acrylic upper or lower denture 100% NHS
Acrylic upper and lower denture 100% NHS
Chrome upper or lower denture 100% NHS
Chrome upper and lower denture 100% NHS
Repair or reline denture 100% NHS
Anaesthetic (per visit) 100% NHS
Child orthodontics (annual limit)3 100% NHS
Mouthguards - including sports guard 100% NHS
Emergency charge 100% NHS
Overnight hospital stay - excl. ROI (1 per policy year) 100% NHS
Accident/injury (annual limit) 100% NHS
Mouth cancer 100% NHS
Annual limit for all listed treatment1 £950
100% NHS dental cover
Examinations (annual limit) £50
Small x-ray (4 per policy year) £4
Medium x-ray (4 per policy year) £7
Panoral (large) x-ray (1 per policy year) £11
With a dentist (2 per policy year) £13
With a hygienist (2 per policy year) £23
Silver filling - 1 surface £23
Silver filling - 2 surfaces £14
Silver filling - 3 surfaces or more £17
White filling - 1 surface £18
White filling - 2 surfaces £20
White filling - 3 surfaces or more £25
Pin for filling £9
Root canal - Incisor/Canine £35
Root canal - Premolar £46
Root canal - Molar £68
Apicectomy £38
Surgical extraction £40
Extraction £15
Veneer (prior approval required) £70
Inlays £80
Implant2 £260
Crown £110
Post for crown £20
Conventional bridge (any number of units) £260
Adhesive bridge (any number of units) £130
Re-fix, re-cement crown or bridge £15
Acrylic upper or lower denture £80
Acrylic upper and lower denture £160
Chrome upper or lower denture £130
Chrome upper and lower denture £260
Repair or reline denture £25
Anaesthetic (per visit) £50
Child orthodontics (annual limit)3 £250
Mouthguards - including sports guard £40
Emergency charge £25
Overnight hospital stay - excl. ROI (1 per policy year) £30
Accident/injury (annual limit) £950
Mouth cancer £10,000
Annual limit for all listed treatment1 £1,250
100% NHS dental cover
Examinations (annual limit) £60
Small x-ray (4 per policy year) £5
Medium x-ray (4 per policy year) £9
Panoral (large) x-ray (1 per policy year) £15
With a dentist (2 per policy year) £17
With a hygienist (2 per policy year) £30
Silver filling - 1 surface £15
Silver filling - 2 surfaces £18
Silver filling - 3 surfaces or more £23
White filling - 1 surface £22
White filling - 2 surfaces £25
White filling - 3 surfaces or more £35
Pin for filling £11
Root canal - Incisor/Canine £45
Root canal - Premolar £60
Root canal - Molar £80
Apicectomy £50
Surgical extraction £50
Extraction £20
Veneer (prior approval required) £80
Inlays £90
Implant2 £320
Crown £130
Post for crown £30
Conventional bridge (any number of units) £320
Adhesive bridge (any number of units) £160
Re-fix, re-cement crown or bridge £20
Acrylic upper or lower denture £100
Acrylic upper and lower denture £200
Chrome upper or lower denture £160
Chrome upper and lower denture £320
Repair or reline denture £30
Anaesthetic (per visit) £60
Child orthodontics (annual limit)3 £325
Mouthguards - including sports guard £45
Emergency charge £30
Overnight hospital stay - excl. ROI (1 per policy year) £35
Accident/injury (annual limit) £1,250
Mouth cancer £10,000

1. Except for accident/injury treatment and mouth cancer cover which have a separate limit.

2. This reimbursement covers all visits related to the implant including fitting the implant crown. We will not pay for more than one implant if a bridge could be fitted as an alternative.

3. Insured children only.

Unum Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered and Head Office: Milton Court, Dorking, Surrey, RH4 3LZ. Registered in England company number 983768.