Group Dental Benefits Plans & Cover
In recent
years there has been a significant increase in the cost of dental
care. Under NHS arrangements a patient currently pays £4.92 for
a basic examination, but could face a bill of £354 for a single
course of treatment.
Private dental charges are unregulated, so dentists charge whatever
they feel is appropriate and a charge of over £15 for a simple
check-up would not be unusual.
 It
is hardly surprising that around 2 million people now take out
some form of cover to help with their charges and corporate
schemes are becoming an increasingly popular option. With over
15 million working days a year lost as a result of preventable
dental causes, corporate schemes offer advantages to both employers
and their employees:
- Reduction
in staff absenteeism.
-
Dental benefits aid staff recruitment and generate company
loyalty, as plans tend to be tied to employment.
-
Cover is perceived as a major benefit as regular use
is actively encouraged and the cost of treatment is continually
rising.
- Corporate
schemes provide better value than individual products.
- Company
paid premiums can be offset against Corporation Tax
Insured schemes have experienced significant growth in the last
few years and no other single benefit is expected to expand
at the same rate over the next ten years. With cover costing
from as little as £3 per month it is hardly surprising that
around 25% of companies are looking to introduce dental benefits
whether as a company paid plan, in a flexible benefit scheme
programme or on a purely voluntary basis.
Cover can range from basic accident and emergency cover to those
designed to offset expensive private fees. Plans are simple
to understand, with reimbursements made in accordance with a
benefit schedule, with minimal administration by the client.
Premier Healthcare Management has a choice of plans available,
offering between them
- Free choice
of dentist, either NHS or private.
- No dental
checks required for acceptance onto the plan.
- All pre-existing
conditions covered (except oral cancer).
- Immediate
cover - all treatment, including an existing course of treatment,
is covered from day one.
- No limit
to frequency of claims - any number of claims may be submitted,
although reimbursement is available within the limits and
regulations set out in the plan benefit schedule.
- Worldwide
cover.
- Cover for
accident and sports injury.
All
plans are available for employees up to the age of 65 and spouses/partners
and dependent children.
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