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Dental Insurance as an Employee Benefit

Businesses of all sizes offer dental insurance as an employee benefit.

In this post we’ll explain how business dental insurance works, what it covers, and why it invariably proves popular as an employee benefit.

What is Dental Insurance?

With our business dental insurance policy, employees will have cover for a range of routine and emergency dental care, as well as for treatments such as fillings, crowns, and bridges.

Our cover can also be extended to cover the employee’s family members which means that they’ll also be covered for certain dental treatments.

How Does Dental Insurance Work?

Essentially, employers get their dental treatment and, if it’s included on their dental insurance, they then make a claim on their policy to cover the costs. As with all insurance products, the plan you have will include limits and specific requirements.

For example, a dental plan is likely to include a maximum amount that you can claim for to cover check-ups, routine treatments, and emergency treatments. With some policies employees may be able to make a claim immediately while others might require employees to wait for set period of time before they make a claim.

Some dental insurance plans also include app integration. This allows employees to make and manage appointments digitally, often while bypassing standard treatment waiting lists. Employees can also use the app to make instant e-claims, so they can get the cover they need as soon as they need it.

What Does Dental Insurance Cover?

Different dental insurance policies are likely to cover different things. But a standard dental insurance policy will likely include:

  • Fast-track access to dentists – your staff can get seen as soon as possible, with no waiting lists, by NHS dentists, private dentists, or both.
  • Cover for both routine check-ups and emergency dental care, as well as cover for treatments including fillings, crowns, bridges, and more.
  • App-integration, with the ability to manage appointments digitally, and to make “snap and send” e-claims.
  • Options to include or add family members to the plan.

There will be limits to what’s covered in a dental insurance policy. For example, private dental insurance usually won’t cover employees for cosmetic treatments such as teeth whitening.

Why Is Dental Insurance Such a Popular Employee Benefit?

People across the UK are struggling to get dental appointments. A lack of access and a long delay in treatment means that some people might feel like they have to simply put up with long-term pain and discomfort.

Not everyone can afford private treatment. But offer dental insurance as an employee benefit, and your entire workforce can enjoy total peace of mind that they’ll be able to access fast, effective, and affordable dental care should they ever need it.

Why is Dental Insurance a Benefit for Businesses?

Business dental insurance can be just as good for your company as it is for your employees:

  • Boost morale and productivity.
  • Make it easier to attract and retain the most talented employees in your sector.
  • Reduce stress and help cut down on unplanned absences.

Is Dental Insurance Included On A Private Medical Insurance Policy?

Not all private medical insurance policies cover dental treatments. Some policies will allow you to add dental cover to your private medical insurance as an optional extra. But in most cases, you may have to take out separate private medical insurance and dental insurance policies to ensure you have full cover. With Capacity Insights we can design a bespoke employee benefit scheme that covers both private medical insurance and dental cover.

Read our full guide to the difference between healthcare and dental care insurance policies.

Get Flexible and Affordable Business Dental Insurance From Capacity Insights

We specialise in helping businesses of all sizes build truly impactful employee benefit programmes. Talk to us and we’ll tailor a bespoke dental insurance plan that meets your employees’ needs, as well as your budget.

Get in touch to find out how we can help you offer the best possible employee benefit package.

Head Office

Capacity Insights
Windsor House
High Street
KT10 9RY

Contact Details

General enquiries:
+44 (0)208 763 4888

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