Dental
Save money on dental care for you and your family with dental insurance.
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Overview
Provided by Unum Dental, dental insurance can help reduce the cost of dental treatment.
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Cover details
You can cover your spouse or partner and unmarried dependent child(ren) (including legally adopted children or stepchildren) under the age of 21 or under the age of 24 if in full-time education.
See what you pay for care based on the levels of cover* available with this insurance.
A&E Radiant 1 Radiant 2 Radiant 3 Radiant 4 Radiant 5 NHS 100% NHS dental cover Yes Yes Yes Yes Yes Yes Preventative Examinations (two per policy year) N/A 100% NHS £30 each £40 each £60 each £70 each Scaling with the dentist or hygienist (two per policy year) N/A 100% NHS £40 each £50 each £80 each £90 each X-rays (annual limit) N/A 100% NHS £30 £40 £60 £70 Minor Treatment Fillings and root canal treatments (FRCT) (annual limit) N/A 100% NHS £150 £250 £300 £350 Other treatment — defined below1 (annual limit) N/A 100% NHS £50 £75 £100 £125 Extractions (annual limit) N/A 100% NHS £125 £175 £225 £250 Major Treatment Implants (levels four and five only), crowns, bridges and dentures (including posts, temporary fittings, re-fix/re-cement and repairs), inlays and veneers2 (annual limit) N/A 100% NHS 80% up to £275 80% up to £450 80% up to £575 80% up to £2,000 Additional Benefits Child orthodontics (annual limit)3 N/A 100% NHS £325 £375 £450 £550 Mouthguards (annual limit) N/A 100% NHS £50 £55 £60 £65 Emergency call out charge4 £1,000 100% NHS £75 each £100 each £125 each £150 each Overnight hospital stay (excluding ROI) (per night)4,5 £60 100% NHS £50 £75 £100 £125 Accident/injury treatment (annual limit)5 £10,000 N/A £4,000 £5,000 £6,000 £7,000 Personal Protective Equipment (PPE) (annual limit) £50 £50 £50 £50 £50 £50 Mouth cancer £20,000 £20,000 £20,000 £20,000 £20,000 £20,000 *We will not cover cosmetic treatment, mouth cancer which existed prior to joining the plan, any treatment not listed in the schedule, prescription fees or treatment carried out before your cover starts and after your cover ends.
1Other treatment is defined as periodontal treatment, stoning/smoothing, fissure sealants, study models, sensitive cementum, pins and dressings.
2Veneers require prior approval before treatment.
3Insured children only.
4£1,000 annual maximum.
5Please refer to the Unum dental policy for A&E plan exceptions.
Access to Toothfairy
As being a member of Unum Dental, you also gain access to Toothfairy which is the award winning app that provides digital content on demand. Via the Toothfairy app, you gain access to: live dentist chat, video consultations, membership perks, and integrated Unum Dental services. Registration details to the Toothfairy app will be shown on your welcome email.
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Costs
See what you pay each month based on the level of cover you choose.
A&E Radiant 1 Radiant 2 Radiant 3 Radiant 4 Radiant 5 You £4.26 £10.63 £16.83 £24.39 £30.88 £44.55 You + Spouse or Partner £8.52 £21.26 £33.66 £48.78 £61.76 £89.10 You + Child £8.52 £21.26 £33.66 £48.78 £61.76 £89.10 You + Family £12.78 £31.89 £50.49 £73.17 £92.64 £133.65
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Making a claim
You have the option to visit any dentist you’d like, and you do not have to gain prior approval before starting treatment (unless you’re claiming for a veneer). To learn more and see how much you’re entitled to claim, submit a claim online or by email with the steps below.
Make a Claim Online
Ask for an itemised receipt from your dentist which contains a full description of your treatment and costs.
Go to the Unum website and log in using your Unum Dental username and password.
Enter your treatment details, upload a scan or photo of your receipt and click “Submit.”
Make a Claim by Email
Download a claim form.
Fill in page 1 of the claim form and ask your dentist or the receptionist to complete page 2. If you’re unable to have page 2 completed at your dentist, please obtain an itemised receipt and attach it to your claim form.
Attach your proof of payment and email it to dentalclaims@unum.co.uk, or you can submit your claim by post using the details provided on the claim form.
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Important reminder about subletting claims
To ensure your claim is processed as quickly as possible, please include details of your treatment, your dentist’s details and proof of payment.
Unum cannot process any claim without proof of payment.
You must submit claims within 12 months of the completion of your last treatment in any course. Unum reserves the right not to pay any claims submitted after 12 months.
Leaving Iron Mountain?
If you voluntarily leave Iron Mountain, you can keep your cover with Unum. Go to the Unum website within 30 days of your leave date to learn more.
Additional Resources
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Contacts
Unum Dental
Dental Insurance
0345 850 9439 Monday through Friday from 9 a.m. to 5 p.m. (not including public holidays).