AXA’s re-entry into dental benefits (it used to own Denplan, now part of Simplyhealth) is a company paid dental insurance plan which is administered by NDP.
The plan’s key benefits are:
* Choice of dentist (private or NHS)
* No dental checks before joining, making enrolment easy and quick
* Up to £10,000 for mouth cancer treatment and medication
* Pre-existing conditions are covered (with the exception of mouth cancer)
* Worldwide cover
* Injury and accident cover is included
* Dental helpline, manned by dental nurses
* Online dental health centre
The plan offers a choice of six cover levels, with Level 1 paying 100% of NHS charges and Level 6 paying (for example) up to £30 for a basic examination, up to £70 for fillings and up to £65 for a surgical extraction. Overall annual maxima vary from £550 on Level 1 Plans to £2,500 on Level 6 (plus any oral cancer treatment).
Cosmetic treatments are excluded. Employers can choose a mix of cover levels so that, for example, some employees could get a high level of cover, while all employees could get at least Level 1 cover. The plan can also be included as part of a flex package.
What They Say
Head of marketing Alison Green said: “Missing routine dental care or avoiding necessary treatment can be a significant cause of discomfort and, in turn, contribute to absence levels at work. Dental Care offers employers a valued yet affordable benefit that allows employees to protect themselves against dental problems for healthy teeth and a winning smile.”
What We Say
"Dental insurance is one of the highest valued employee benefits, not least because dental costs can be both expensive and unexpected. This plan offers a good range of cover options from effectively NHS only up to a plan that will cover most dental costs (depending on how much the dentist charges). Having worldwide cover is also useful (especially as too few people bother to take out travel insurance when they go abroad).
"It always needs to be remembered though that dental insurance is not usually an indemnity product, so employees could still be left with bills to pay – especially if they have any cosmetic treatment too."