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The Enrolment Window for 2025/2026 is open from 6 May 2025 to 20 May 2025.

Dental

Dental

Save money on dental care for you and your family with dental insurance.

  • Overview

    Provided by Unum Dental, dental insurance can help reduce the cost of dental treatment.

  • Cover details

    You can cover your spouse or partner and unmarried dependent child(ren) (including legally adopted children or stepchildren) under the age of 25, as long as they are unmarried.

    See what you pay for care based on the levels of cover* available with this insurance.

    Radiant Extra 1 Radiant Extra 2 Radiant Extra 3 Radiant Extra 4 Radiant Extra 5
    NHS Charges Full cover for NHS dental treatment charges
    Preventative Treatment Routine check-ups and examinations – per visit Up to NHS limits £40 £50 £70 £80
    Scale and polish with a dentist or hygienist – per visit Up to NHS limits £50 £60 £90 £100
    X-rays – per policy year Up to NHS limits £40 £50 £80 £90
    Restorative Treatment Fillings & root canal treatment – per policy year Up to NHS limits £165 £275 £330 £385
    Extractions – per policy year Up to NHS limits £125 £175 £225 £250
    Major treatment: Implants, crowns, bridges, dentures, veneers and all other clinically necessary dental treatment – per policy year Up to NHS limits 80% of treatment cost up to £300 80% of treatment cost up to £500 80% of treatment cost up to £800 80% of treatment cost up to £2,200
    Emergency & Other Treatment Emergency dental treatment – up to 4 incidents per policy year Up to NHS limits £250 for each emergency incident £250 for each emergency incident £250 for each emergency incident £250 for each emergency incident
    Child orthodontic treatment – per policy year N/A £325 £375 £450 £550
    Adult orthodontic treatment – per policy year (IOTN grades 4 & 5 only) N/A £325 £375 £450 £550
    Mouth guards and splints – per policy year Up to NHS limits £50 £55 £60 £65
    Overnight hospital stays – up to a maximum of £1,000 per policy year £100 each night £100 each night £100 each night £100 each night £100 each night
    Accident/injury dental treatment – per policy year Up to NHS limits £4,000 £5,000 £6,000 £7,000
    Mouth cancer treatment – lifetime limit £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.

    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.

    Additional Resources

    Additional Treatment and Cover Details

  • Costs

    See what you pay each month based on the level of cover you choose.

    Radiant 1 Extra Radiant 2 Extra Radiant 3 Extra Radiant 4 Extra Radiant 5 Extra
    You £11.58 £20.16 £28.57 £35.66 £50.12
    You + Spouse or Partner £23.16 £40.32 £57.14 £71.32 £100.24
    You + Child £23.16 £40.32 £57.14 £71.32 £100.24
    You + Family £34.74 £60.48 £85.71 £106.98 £150.36

  • 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

    1. Ask for an itemised receipt from your dentist which contains a full description of your treatment and costs.

    2. Go to the Unum website and log in using your Unum Dental username and password.

    3. Enter your treatment details, upload a scan or photo of your receipt and click “Submit.”

    Make a Claim by Email

    1. Download a claim form.

    2. 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.

    3. 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.

  • 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.