In our last article about Employee Benefits, we discussed how investing in an additional cover for your employees can result in their increased satisfaction & loyalty and reduced absenteeism. This time, we will focus on addressing dental care only. According to NHS dental statistics, 22.1 million adult patients were seen by NHS dentist within the 2 years to 30 September 2017.
Besides regular examinations, dental health services include fillings, tooth extraction, root canal treatment or teeth reconstruction. Example diseases that patients suffer from are dental caries, periodontitis, gingivitis or bruxism. Their treatment is not only expensive but also stressful and time-absorbing. And many of our habits increase the risk of going down with one of them – if you regularly consume food containing sugar, drink coffee or smoke, in the future, you may require attention from a dentist more often than just a regular yearly check. As an employer, you could think about investing in dental care insurance for your employees. Why? We explain the reasons in a next paragraph.
Why is it Worth to Invest in a Dental Care Insurance?
As we mentioned before, the treatment of dental-related diseases is expensive and time-consuming. Detection of a problem at an early stage can avoid costly therapy in the future. Therefore, investing in the dental care employee benefit can reduce absenteeism at work. With this insurance, employees will be able to claim dental examinations and significantly reduce the risk of catching a long-term disease. The British Society of Dental Hygiene and Therapy provided information that the British economy lost estimated 36,6 million pounds because of the ”work missed due to oral health problems” (source).
Besides, when the worst happens, insurance gives your staff additional security. Your employees don’t have to be afraid that they won’t be able to afford the treatment. The benefit can increase their loyalty and a sense of stability. In short, it is worth investing in your staff’s health.
Dental Care Benefit - How Does it Work?
Who pays for the dental care? Well, there are three following options
- Cover fully funded by an employer,
- Cover fully funded by an employee,
- Cover partially funded by both.
You can make a claim immediately after the start of the cover. Also, you have a choice to visit an NHS doctor or a private specialist. Some options include reimbursement of services such as implants, orthodontics for children or mouth guardians. Finally, the employee’s partner and children also can receive the cover.
In some cases, you may receive back 80% of incurred dental costs. In this case, the insurance company is aware that the treatment may be more affordable outside the UK and you are free to travel anywhere in the world. Please, notice that regarding dental care employee benefit there are various packages and offers. For this reason, exact terms & conditions vary.
If you are interested and would like to learn more, speak to one of our advisers and we will find a right plan for your company. We are happy to assist you with any questions you may have.