Dental Plan

Looking after your health, both at work and at home, is important to us, which is why we offer colleagues access to a competitively priced dental plan.

A dental plan allows you to claim back some or all of the cost of essential dental treatment up to the policy limits, such as, check-ups, hygiene visits, fillings, crowns and dental implants (not available on all policies).  

You’re free to visit any dentist of your choice (worldwide) and can claim from the very start of your policy including any pre-existing conditions (except for mouth cancer). 

Please note this is an annual policy and there is only one opportunity to join a year in June/July.  The 2024 enrollment window closes 17 July 2024.

Key features 

  • Your choice of dentist – NHS or Private practices 
  • Worldwide cover 
  • A fast claims payment via Unum Dental’s, simple, online paperless process 
  • Immediate cover – you can start claiming from your policy start date 
  • Cover for pre-existing conditions – excluding mouth cancer 
  • Cover for planned and pending treatments – where treatment has been identified but not yet started 
  • Dental implant cover (availability depends on cover level chosen) 
  • Option to add your partner and children on to the same level of cover as you (at an additional cost) 
  • Child orthodontic cover for insured children at an additional cost 
  • Access to Toothfairy – an award-winning dental app, regulated by the CQC, to access dental care on demand and prevent future dental issues. 


Cover levels, annual limits and exclusions apply. Please read the policy documents carefully before applying. 


Main exclusions 

  • Cosmetic treatment 
  • Prescription fees 
  • Mouth cancer which existed prior to joining the plan, 
  • Treatment received before your cover starts and after your cover ends 


How do I join? 

This is an annual policy starting 1 August each year, with a joiner’s window mid-June to mid-July.  The 2024 joiners window end 17/07/24 

  1. Go to UnumEmployeePortal –  2024 joiners code is E82AFE/3079 
  1. Choose the level of cover you want.  Nb once you click on it the full details of the plan will appear 
  1. Enter your details and set-up the direct debit by following the instructions on screen 
  1. Unum Dental will send a welcome email/letter to confirm cover shortly after the policy start date (1 August). 


How do I use my dental plan?  

  • Visit your dentist and start making claims for insured treatments (as listed on your policy schedule) from the day your cover starts. 
  • There is no dental health check required to join, and you can submit claims quickly and easily using the online claims portal (registration required). 
  • Claiming with Unum Dental is easy. There’s no need to use paper forms – with your policy you have access to Unum Dental’s online portal to make claiming quick and easy, you can even use your smartphone. Watch this video to learn more.  
  • Please note to ensure your claim is processed as quickly as possible, please include details of your treatment, your dentist’s details and proof of payment. Unum Dental cannot process any claim without proof of payment. 
  • Claims should be submitted within 12 months of the completion of your last treatment in any course. Unum Dental reserve the right not to pay any claims submitted after 12 months. 

No, this is a colleague funded voluntary benefit that you can choose to takeThe cost of the dental plan depends on the level of cover you pick (details are clearly shown in the portal when you apply to join)Payment is taken by monthly direct debit. 

Comparing your own dentist’s charges to the cover available should help you pick a suitable plan. 

  • NHS dental treatment – all plans cover 100% of NHS dental charges
  • Private dental treatment – all plans cover up to the fixed amount listed on your benefit schedule

You can choose to include your spouse/partner and children on the same level of cover as you at an additional cost.  

Yes, you can use any dentist you like – NHS or private 

You can make claims from the day your policy starts (1 August). 

Yes, the only pre-existing condition exclusion is mouth cancer. You can even claim towards a preplanned treatment (if it’s covered by your policy) as long as you wait for your insurance cover to begin before starting the course of treatment. 

If you need treatment while abroad, get a receipt (in English) and submit your claim in the usual way. You will be reimbursed according to your benefit schedule, using the exchange rate that applies when settlement is made. 

You can claim for treatment received following a sports injury up to the policy limits shown in the benefit schedule. 

Please note you are unable to change or cancel this insurance until the next renewal period, unless you leave your employer or there is a significant lifestyle change in circumstances (i.e. death, marriage, birth and divorce). 

As this is a corporate policy, your cover will automatically end if you leave the company. Unum Dental may contact you with options to continue your cover as an individual using the email address you provided when you registered to use the online portal. If you do not wish to receive this communication, please contact Unum Dental directly. 

If you have any queries about the plan or would like to check how much you’re entitled to claim before receiving treatment, please contact us on: 

Phone – 020 7265 7111 

Email – 

Address – Unum Dental, Milton Court, Dorking, Surrey, RH4 3LZ 

We monitor telephone conversations and e-mail communications from time to time for the purposes of training and in the interests of continually improving the quality of the service we provide. 

About the provider 

The insurer is Unum Limited. 

Unum Dental is a trading name of Unum Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Unum Limited is on the Financial Conduct Authority Financial Services Register, Firm Reference Number: 110408. Registered Office: Milton Court, Dorking, Surrey, RH4 3LZ. Registered in England 983768