Dental
Effortless dental cover, designed with to make you smile
How does Unum’s Dental cover work?
With cover from Unum Dental you can claim back the cost of important dental treatment such as check-ups, hygienist visits, fillings, crowns and even dental implants - up to the limits shown on your benefit schedule.
This helps you to maintain the oral health for you, and your family (where insured and shown on your confirmation of cover document).
Did you know — claiming is quick and easy with our online member portal
You can even use your smartphone. Simply select your treatment, snap a photo of your itemised receipt and go.
You can also use the portal to:
- View your policy documents
- Find your remaining benefit limits for the policy year
- Update your details
- Find answers to common questions
- Contact us
Watch the video to learn on how to make a claim.
Key features Here are more reasons to smile. With this policy you get:
Cover levels, treatment limits, annual limits and exclusions apply. Please refer to a benefit schedule for full details, this is available from your employer or, if you are a member, via the online member portal.
Immediate cover
Make a claim as soon as cover starts
100% NHS
100% reimbursement of NHS charges
Visit any dental practice worldwide
You have the freedom to seek treatment at any NHS or private dental practice anywhere in the world
Cover for pre-existing conditions and pre-planned treatment
You can claim for treatment identified or recommended before cover starts
Access to Toothfairy
You get access to a high-quality, award-winning digital dental services provided by Toothfairy along with additional Unum features (where included in your Employer’s dental policy).
Access to retail discounts and savings
Powered by BenefitHub, Unum Dental customers get access to a wide range of savings and discounts on everyday spending and treats to cut costs
Toothfairy is a trading name of Tooth Fairy Healthcare Limited (“Toothfairy”). Toothfairy is completely independent of, and separate from, Unum Limited and any Unum insurance policy. Any engagement with Toothfairy or use of the Toothfairy app is subject to Toothfairy’s terms and conditions and to Toothfairy’s privacy policy. Unum Limited will not be involved in the provision of the Toothfairy service (which includes any services provided through the Toothfairy app) in any way whatsoever. Unum Limited does not accept any responsibility or liability for the Toothfairy service and makes no warranties or representations about it (or its constituent parts) or about the suitability of the Toothfairy service. Unum Limited will not receive any payment or commission from Toothfairy arising from any involvement by the employee with Toothfairy. The choice to engage with Toothfairy, is entirely up to the employee and Unum Limited disclaims any liability in relation thereto. The decision to proceed with Toothfairy is solely on the basis provided herein. Complaints, concerns, claims or questions regarding Toothfairy should be made to Toothfairy directly.
Tooth Fairy Healthcare Limited is registered in England and Wales under company number 11118805. Registered office: Office 1 21 Hatherton Street, Walsall WS4 2LA. Toothfairy Healthcare Limited is authorised and regulated by the Financial Conduct Authority and entered on the Financial Services Register, reference number 927593.
BenefitHub Limited is a third-party discounts and benefits provider which is completely independent of and separate from Unum Limited and Unum Dental. Further information about BenefitHub and this arrangement, including the company’s terms and conditions can be found in the ‘Please note’ section here.
Any questions?
View FAQsWhen you select a Dental policy via your employer, your employer sends Unum Dental your details as part of a batch. Once we have your information, we work on getting you signed up and will send you a welcome email and policy schedule as soon as we can. This will include your policy number.
When you receive this policy number, you can use it to register to the Unum Dental Portal. This lets you make a claim and contact us securely to ask a question.
Please note that it can take up to 4 weeks to receive and process your details and issue your policy statement. If you don’t get your welcome email and policy schedule straight away, you are still covered. If you misplace or lose your welcome email, feel free to contact us using the ‘contact us’ button below.
You can submit your claim by logging in to the Unum Dental portal, which is the quickest and most convenient way to make a claim. However, if you’d still prefer to fill in a paper form, log in to the portal and hit ‘contact us’ to tell us.
Once we’ve received and processed your claim, we’ll let you know by email or by post. We aim to reimburse you within 5-10 working days once we’ve confirmed your claim payment.
Please note that you must submit all claims within 12 months of the treatment completion date. The treatment completion date is the date you received that treatment, or the final treatment in any course of treatment. If you submit a claim outside this timeframe, it may not be approved and you may not be reimbursed.
Thank you for supplying this. We aim to assess the additional information and reimburse you within 5-10 working days if we now have everything we need. If we still require further information, we’ll be in touch.
The amount you receive for a Dental claim depends on the level of cover you have, the type of treatment you’ve undergone and the amount of money we’ve paid you for that type of treatment so far in the policy year.
To see your level of cover, annual limits, and exclusions please refer to your Policy Schedule. You can find this by logging into the Unum Dental member portal.
It’s important to understand how much your dentist will charge and how much your policy will reimburse you towards this before you start dental treatment.
The amount you receive for a Dental claim depends on the level of cover you have, the type of treatment you’ve undergone and the amount of money we’ve paid you for that type of treatment so far in the policy year.
To see your level of cover, annual limits, and exclusions please refer to your Policy Schedule. You can find this by logging into the Unum Dental member portal.