There are many options available for businesses who want to introduce dental insurance for their staff. Different cover levels from different providers enable you to really choose what cover you would like. The higher the cover level, the higher the cost of your premium.
Most providers allow you the choice of paying annually or monthly.
Let’s look at the Bupa Dental Plan
Policy options from Bupa offer a great variety of plans available for businesses to choose from.
- The Bupa Dental Plan offers core, Level 1, Level 2, Level 3 or Level 4
- Bupa Dental Choice offers Classic, Premier, Platinum or Prestige
Cover is available on a worldwide basis for all plans other than for the Oral cancer benefit which is UK only. Any oral cancer treatment received within 6 months of the start of the plan would not be eligible for cover.
What types of dental cover are available from Bupa?
- Routine dental examinations
- Dental X-rays
- Scale and Polish
- Root canal treatment
- Restorative Dental treatment
Depending on which option you choose for your dental insurance you may also be able to claim for:
- Orthodontic Treatment & Anaesthetist fees
- Cash benefit for hospital stay
- Surgical implants
Why would you buy a dental insurance policy for your staff?
Dental insurance is a low cost, great value benefit and your employees do not have to have a dental examination prior to joining. Dental insurance is a way of spreading the cost of dental treatment across a 12 month period. If your employees use a Bupa dental centre they can sort out the claim for them straight away. Using a Bupa owned practice within the Bupa network means the members do not have to pay up-front and claim the money back.
If you choose to use a different dental practice you would pay for the treatment and claim the charges back. (subject to the benefit limit of the policy in place)
Who is eligible for cover?
All employees over the age of 18 would be eligible for cover. Child dependants of the main member can remain on cover until the age of 24.
Are there general exclusions to dental cover by Bupa?
As with insurance policies of any type, there are general exclusions that apply to the dental policies. For Dental insurance the exclusions applied by Bupa include things such as:
- Treatment that is cosmetic
- Treatment in relation to mouth jewellery
- Oral cancer in relation to the tonsils or salivary glands
- Dental injury due to a physical contact sport
- Surgical implants or bridge treatment for gaps that existed prior to taking the policy
The team at SMP Healthcare would be happy to help you find a dental policy for your employees. We can provide a full market review featuring the different dental insurance options available. You could also add dental cover to your private medical insurance in many cases. Enabling you to keep all your cover with one provider on one certificate.
If you would like our help to find excellent dental insurance for you and your staff, please contact us:
Telephone 01245 929129/ 0800 047 0127