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Group Dental Insurance

What is Group Dental Insurance?

A Company Dental policy allows your employees to claim back the cost of any dental treatment they might need.

Covering both routine and emergency work, it has become one of the fastest growing and most popular employee benefits in the UK.

Group Dental Insurance is also commonly referred to as Business Dental Insurance or Company Dental Insurance.

How does Group Dental cover work?

Group Dental Insurance can be purchased as a standalone product or as an add-on within a wider Business Health Insurance plan.

Whether receiving NHS or private treatment, most insurers require the employee to pay their dentist directly, retain the receipt and then submit this to the insurer for reimbursement.

What does a Dental Health Plan cover?

There is a very broad range of cover which differs across multiple insurers. Here are the most important:

  • Check up’s
  • Orthodontic treatment
  • Crowns
  • Mouth cancer
  • Scale, polish and hygienist
  • Bridges
  • Implants
  • X-rays
  • Veneers
  • Dental accident / injury
  • Fillings
  • Dentures
  • Root canal treatment

Why provide Business Dental insurance?

  • A cost effective, bespoke solution that supports an employer’s duty of care
  • A preventative approach to oral health means employees are less likely to be absent with unexpected dental problems
  • Draws attention to other health issues – almost nine out of ten diseases cause symptoms in the mouth
  • Helps to reward, retain and attract talented people by improving morale and motivation
  • One of the fastest growing employee benefits in terms of popularity

Further reading: Business Dental Insurance is underrated, here’s why.

What are the key benefits of Company Dental Insurance?

  • Flexible structure
  • Pre-existing conditions covered
  • All dentists covered
  • NHS and Private
  • No medical underwriting to join
  • Partners and dependant children can be included
  • Employees can choose to upgrade their level of cover
  • Upgrades and family additions can be deducted via payroll
  • Worldwide coverage
  • 74% of employers believe a dental plan is the most valuable health and wellbeing benefit*

  • 82% of employers who offer a dental plan agree it enhances employee wellbeing*

  • 45% of employees offered a dental plan take up the benefit*

  • 84% of employers who offer a dental plan believe it shows they care about their employees*

"Quick to respond, knowledgeable and personable. They worked on an ideal plan for my business and it was up & running at pace."

How much does Company Dental Insurance cost?

NHS cover only

From £5.60 per employee, per month

NHS cover and mid-range private

Between £18.25 – £24.70 per employee, per month

NHS cover and basis private cover

Between £9.20 – £11.10 per employee, per month

NHS cover and comprehensive private

£28.60 – £35.00 per employee, per month

What are the bandings for NHS dental treatment?

As you’re probably aware, NHS dental treatment is not free-of-charge. Instead of charging a rate directly related to the cost of the procedure, there are three payment bands which cover all levels of treatment.

Band 1 - £22.70

This level covers an examination, diagnosis and advice.  It also includes X-rays, a scale and polish and planning for further treatment.

Band 2 - £62.10

This level covers all treatment in Band 1, plus additional treatment such as fillings, root canal treatment and tooth extractions.

Band 3 - £269.30

This level covers all treatment included in Bands 1 and 2, plus more complex procedures such as crowns, dentures and bridges.

Who are the main dental insurance providers?

There are more than 10 providers offering dental cover across Private Medical Insurance, Health Cash Plan and standalone Group Dental Insurance schemes.

It’s therefore important to seek expert advice to ensure that the needs of employer and employee are adequately met, and within budget.

Some of the main dental insurance providers include:

Frequently Asked Questions

Does Business Dental insurance cover cosmetic treatment?

No – Employees can only claim for treatment which is clinically necessary. Cosmetic treatment, however, (such as teeth whitening) can be covered under some Company Health Cash Plans.

Does Company Dental Insurance cover pre-existing conditions?

Yes – most insurers will cover pre-existing dental conditions and there is no oral health check or medical to join the plan.

Is dental insurance covered with company Private Medical Insurance?

Some Private Medical Insurance providers do offer cover for dental, but this will often need to be selected as an additional cover module at employer level.

Also, dental cover which is provided as part of a Group Health Insurance scheme isn’t usually as comprehensive as a standalone dental plan, and typically operates by providing a low level of cash back, as opposed to full dental coverage.

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