Dental Cover

Dental plans first made an appearance in the corporate sphere in the late 1980s. In the Health Cover UK market report, published July 2015, LaingBuisson reports that by the end of 2014, 3.25 million people in the UK were covered by dental plans, with the total benefits paid out from dental insurance claims reaching approximately £67 million.

A dental plan is typically an insurance-based scheme that offers employees cover for various dental treatments, such as check-ups, fillings, crowns and bridges. The benefit can be provided as a fully funded benefit via a private medical insurance scheme or as part of a health cash plan.

You can also purchase stand-alone dental cover. It is traditionally an insurance-based product that reimburses employees for money spent on dental check-ups and treatments in return for a monthly premium they can cover both NHS and private dentistry.

It is worth making enquiries if you are looking to reimburse the expense of an existing capitation plan as this typically would not be covered.

Routine check-ups and dentistry is usually covered by this type of insurance pre-planned treatment is normally excluded.

Dental plans are a P11D Benefit, you can choose to cover employees only or employees and family with the option for staff to fund partner or family cover themselves via salary deduction.

What Are The Benefits Of Dental Cover

There are many reasons to introduce a dental insurance plan into your business. NHS dentistry has become less available and private dentistry less affordable - it is a benefit that is deeply appreciated by employees.

A dental plan will support employee engagement, help with recruitment and retention. It can also reduce sickness absence caused by toothache and associated problems. A regular dental check-up can identify serious health problems early. Dental plans are easy to implement and administer.

A very tangible benefit there are usually no waiting periods - your employees can start using their cover straight away. Access to apps and online claiming mean that your employees can carry their new benefit and access their cover 24/7 in their pockets. There are many different types of cover that offer tools that will make their claiming experience easy and educational.

One of the most popular employee benefits when staff are surveyed, a dental plan is a great way to reward staff. Engagement and communication are key to maximising the uptake and usage of your dental benefit.

Many diverse businesses now have multiple generations that appreciate different benefits dependent on their life stage. A dental cover can be used and appreciated at every age. Choosing a provider that can deliver good value on investment is integral to the sustainability of your benefits package. 

How To Get Dental Cover

You can purchase dental cover directly with a stand-alone dental provider or chose to include dental cover into an existing private medical insurance policy or a company funded health cash plan.

A health insurance specialist will be able to work with you to plan and provide an effective benefit roll out. Ensuring promotions throughout the policy year not just at launch. 

At Pegasus Benefits, we can offer a FREE consultation where we can discuss the products available and how best to engage with your employees. By using physical site presentations, posters and electronic copies, we can introduce staff to their new employer funded benefit.