OralHealth is a group dental insurance policy and Cigna has introduced a number of enhancements to it. Two new benefit levels have been added, taking the total options to five. Level 1 provides a low cost option for members who use an NHS dentist. Level 4 offers benefits between what are now levels three and five.
Clients can also choose either 100% or 75% coverage of preventative treatment costs up to an annual limit of £150 to £350 depending on plan level (Level 1 is always 100% though). All plan levels (except Level 1, which again pays 100% of NHS costs) cover 80% of minor and major treatment costs up to £250 to £2,000 a year. All plans cover up to four dental emergencies (max £200 each, total £800); accidental damage up to £10,000; oral cancer treatment (lifetime limit now increased to £15,000), and hospital cash (up to 20 nights at £50 a night). All levels (except Level 1) also cover orthodontic treatment for under 18s, after an initial six month waiting period, with a maximum annual benefit of £325 to £500, depending on plan level.
The plan can also be part of a flexible benefits (flex) plan and the target audience for that has been reduced from 400 to 100 employees.
Exclusions are fairly standard but include surgical implants (although individuals can buy separate surgical implant insurance from Cigna), experimental treatment and loss of dental appliances.
What They Say
Head of product management Kirsty Jagielko said: “At Cigna UK, we’re dedicated to putting the customer first. And our feedback indicates that choice and flexibility are high priorities for both clients and members. Our enhancements are designed to cater for these needs and bring relevant choices to our OralHealth range both now and in the future.”
What We Say
"Cigna offers two dental plans for firms – DentaCare provides comprehensive cover based on a full list of every treatment covered (enabling firms to check what is covered and for how much against local dentist charges for example), whereas OralHealth takes a much simpler approach.
"The changes both improve cover levels and make more options available, without over-complicating the buying decision. That makes OralHealth particularly suitable as part of a flex arrangement and being able to now target smaller firms too should considerably increase the popularity of the plan in this segment."