Group Dental Insurance

Providing comprehensive cover for major dental treatments beyond basic plans.

No instant quotes — we’ll guide you to the right cover for your needs.

What is

group dental insurance?

Group Dental Insurance is a company-funded health benefit that helps employees cover the cost of dental care.

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By providing this cover, businesses can support their team's oral health, making it easier and more affordable for them to attend regular check-ups and receive necessary treatment.

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It’s a highly valued employee benefit that promotes wellbeing and reduces financial worries associated with dental bills.

Why might you need group dental insurance?

In a competitive job market, a strong employee benefits package is crucial for attracting and retaining top talent.

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Group Dental Insurance shows your team that you care about their overall health and wellbeing. It helps reduce absenteeism caused by dental emergencies and encourages preventative care, meaning your employees are healthier, happier, and more productive.

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For a relatively low cost per employee, it’s a powerful tool for boosting morale and positioning your company as a top-tier employer.

How does Group Dental Insurance work in the UK?

An employer sets up a Group Dental Insurance policy and pays a monthly premium for each employee covered. When an employee visits the dentist, they can then claim back the cost of their eligible treatment, up to the annual limits of the policy.

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This can be for both NHS and private dental care, depending on the level of cover chosen.

In the UK, there are several levels of cover to consider, typically based on the type of treatment covered:

Routine Care Plans

These policies focus on preventative health, covering the costs of routine dental maintenance.

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Includes cover for check-ups, dental hygienist visits (scale and polish), and X-rays.

Often covers minor treatments like fillings or simple extractions.

Encourages employees to catch dental issues early.

Comprehensive Plans

These policies provide a much wider range of cover for more complex and expensive dental work.

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Includes all the benefits of a routine care plan.

Adds cover for major restorative work like crowns, bridges, root canals, and dentures.

Premiums are higher but provide greater peace of mind for significant dental problems.

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👉 At Health Cheque, our specialists help you compare Group Dental Insurance plans to find the right level of cover for your team and your business budget.

Benefits of

Group Dental Insurance

Dental cover makes routine check-ups and treatments more affordable for your employees. It helps prevent bigger health problems while showing staff you care about their overall wellbeing.

Includes Cover for Dental Accidents

Most plans include cover for accidental dental injuries, providing peace of mind that your employees are protected against unforeseen events.

A Highly Valued Employee Perk

Dental insurance is one of the most requested and appreciated employee benefits, helping you to attract and retain the best people for your business.

Improve Employee Wellbeing

Good oral health is linked to overall physical health. Providing dental cover is a direct investment in the wellbeing and health of your workforce.

Reduce Dental-Related Absence

Employees with dental cover are more likely to seek prompt treatment for pain, reducing the likelihood of them needing unplanned time off work for dental emergencies.

Cover for Unexpected Treatments

Provide financial protection against the cost of unexpected dental work like fillings, root canals, or crowns, reducing employee stress and financial worry.

Encourage Regular Check-ups

By covering the cost of routine examinations and cleanings, you encourage employees to maintain their oral health, preventing more serious issues later.

What does

Group Dental Insurance

cover?

Keep your team smiling—with a plan that protects their oral health.

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Group Dental Insurance is designed to cover the costs of a wide range of treatments to keep your employees' teeth and gums healthy. A typical policy will help pay for everything from routine maintenance to unexpected restorative work.

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Most plans provide cover for:

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Dental check-ups and consultations
Visits to the hygienist for a scale and polish
Fillings, root canals, and extractions
Crowns, bridges, inlays, and onlays
Treatment for gum disease
Emergency treatment and dental injury

Optional Cover for Orthodontics & Dental Implants

For a more comprehensive benefits package, many policies can be enhanced to include cover for major dental work. Optional add-ons can provide contributions towards orthodontics (braces) for adults or children, as well as high-value treatments like dental implants. These enhanced benefits are a powerful way to make your company’s health plan truly exceptional.

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Examples of optional enhancements can include:

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Orthodontic treatment

Dental implants

Teeth whitening

Periodontal specialist treatment

Note: The level of cover and what is included as standard varies significantly between insurers. Always check the policy details.

Compare the UK's leading insurance providers and get free advice from our expert team

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What isn't covered by

Group Dental Insurance

?

Understand the exclusions before you choose a policy.

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Group Dental Insurance provides broad financial protection, but there are certain situations where the insurer may decline to pay out. These exclusions are clearly outlined in your policy and it’s important for both you and your employees to understand them.

Common Group Dental Insurance Exclusions:

Pre-existing Conditions - Treatment for a dental issue that an employee was aware of before joining the scheme may not be covered.

Initial Waiting Period - Most policies have a waiting period of 1-3 months before an employee can claim for non-emergency or major dental work.

Purely Cosmetic Treatments - Procedures like teeth whitening or veneers are not usually covered unless specified as an optional benefit in the policy.

Treatment Started Before Joining - Any course of dental treatment that began before the policy start date will typically be excluded.

Sports Injuries without a Mouthguard - If a dental injury occurs during a sport where a mouthguard is recommended but wasn't worn, the claim may be denied.

In 2023, the vast majority of UK dental insurance claims were paid, helping employees manage the cost of their oral health. It’s crucial for businesses to choose a cover level that meets their team’s needs and to clearly communicate the annual limits for different treatments.

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Need clarity on a specific condition or situation? Speak to our team for expert, impartial guidance.

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Looking for

Group Dental Insurance

cover here in the UK?

A great dental plan is a cornerstone of a modern employee benefits package. At Health Cheque, we provide independent advice on group dental plans across the UK, helping businesses of all sizes find the right policy for their team and budget.

Whether your business is in London, Manchester, Birmingham, Leeds, or anywhere nationwide, our expert advisers compare leading UK insurers to help you build a benefits package that makes a real difference.

Why businesses choose Health Cheque for group dental insurance

Independent advice — we search the whole market to find the right cover

Over 28 years’ experience supporting UK businesses and their teams

Tailored protection — plans designed around your business size and budget

Affordable premiums — compare the UK’s top insurers side by side

Simple, clear explanations — no jargon, just straightforward advice

Ongoing support — guidance for you and your employees

Get in touch with us or Book a consultation to compare policies

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Clear, impartial advice on insurance you can trust

With nearly two decades of experience, Health Cheque specialises in providing honest, independent guidance across the UK private medical insurance market. We simplify the complex, helping individuals, families, and businesses make informed decisions—without pressure or jargon. Our goal is always the same: to protect your health with clarity, care, and confidence.

David Ripley

Senior Account Manager