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.
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.
Further reading: Business Dental Insurance is underrated, here’s why.
"Quick to respond, knowledgeable and personable. They worked on an ideal plan for my business and it was up & running at pace."
From £5.60 per employee, per month
Between £18.25 – £24.70 per employee, per month
Between £9.20 – £11.10 per employee, per month
£28.60 – £35.00 per employee, per month
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.
This level covers an examination, diagnosis and advice. It also includes X-rays, a scale and polish and planning for further treatment.
This level covers all treatment in Band 1, plus additional treatment such as fillings, root canal treatment and tooth extractions.
This level covers all treatment included in Bands 1 and 2, plus more complex procedures such as crowns, dentures and bridges.
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:
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.
Yes – most insurers will cover pre-existing dental conditions and there is no oral health check or medical to join the plan.
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.
