Dental Insurance - one of the most sought after employee benefits

Dental insurance is rising in popularity as an employee benefit. In part this stems from the overhaul of NHS dentistry which occurred in the spring of 2006. The two big changes were a new charging structure and the introduction of new contracts for dentists, which accelerated their exodus from the state system.

 

Both of these changes meant many patients found themselves paying higher amounts for treatment or were even unable to locate a dentist. 

 

Unlike plans promoted by dentists, our dental plans impose no restrictions on which dentists may be used – in fact, claims can be accepted for treatment received whilst travelling abroad. Also, because they are group plans, no examinations are required prior to joining and there is no moratorium on claiming.

 

We offer a number of levels of cover - base plans generally refund the costs of NHS dentistry, and the higher premium plans reimburse increasing amounts towards the cost of private treatment.

 

This approach fits with the unregulated nature of dental charging and helps the employer to pick the cover suited to geographical variations.

 

Premiums are modest in comparison with the real benefits that arise – employees will generally see some return from dental insurance each year through check ups, even if no treatment is required.

 

By encouraging regular check ups, absenteeism arising from emergency dental treatment may reduce and improved oral hygiene occur.