Unum UK Reviews 

Been with this unum dental insurance provider for the past 4 years through company benefit scheme. They were only providing the claims for the NHS equivalent of the policy that you hold. Upgrading the policy to a higher premium this year for an implant done on 12/jan/2024, and submitted the claim to get the reimbursement amount which was declined after 10 working days. The reason mentioned was as below. We’re wring to let you know that we’re unable to approve the recent claim made on your dental policy. This is because, when we contacted your surgery to ask whether the implant was dentally necessary, they indicated that you have a funconing removal denture that replaces the missing tooth. From this, we have inferred that
the implant was not needed to restore your dental health, and our management team have advised that the implant would be considered a cosmec choice, which is not covered by your plan with us.
Looking at this, the insurance provider retained a larger portion of the claim amount. Considering the current inflating economy and the fair use of benefits from employer this is unacceptable and no value for high amounts.
Avoid this provider and move to some other provider OR No provider and take care of your health by learning about you.
All the best.

Fabulous service, very easy to use, no quibbles with approving, monies received quickly, would highly highly recommend! :)

I cannot fault Unum , they pay up promptly with no fuss at all, and are always available if you need to call them with a query.

Been a member for a few years now. Never had any trouble claiming back dental expenses.

Website (portal) easy to use and claim processed incredibly quickly.

Fast response, no issues with submitting or having claim approved. Very happy with provider!

excellent customer service

Claim handled efficiently and rapidly. Itemised receipt sent afterwards

Really quick to get claim put in and re-imbursed

We've been paying premiums for two years to cover nhs costs for two people. What a waste of money as it is impossible to find a nhs dentist. It might be good for private dentist but wow, would that cost in premiums if you don't need the dentist.

Very efficient settlement process, was paid within days and no quibbles.

My invoice payment was not fully covered even though I paid a single visit to the dentist within the policy year. The excuse of private hygiene treatment which is covered up to £40 per treatment (2 per policy year) is not a good excuse for a single visit within the policy year.

claim paid back quickly no issues

After submitting my receipts through a very user friendly portal, I was reimbursed within a day.

Claims handled very quick. Easy to make a claim.

Easy and quick to claim. Payment received very quick!