Dental Insurance for Employees

Fulcrum helps employers offer dental cover that’s simple, cost-effective, and genuinely appreciated by staff. With most working adults paying for dental treatment out of pocket - even with NHS access - employer-funded dentistry is one of the few benefits every employee can appreciate. It’s also a highly tax-efficient way to reward your staff.

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The Business Case for Buying Dental Insurance

Why dental cover makes sense for employers and employees

Dental care is increasingly private:

Many dentists no longer accept new NHS patients

A growing number are moving entirely into private practice

Patients who still have NHS access often pay top-up charges (fixed bands in England, percentages in Scotland) and additional costs for materials not covered by the NHS

This makes dental insurance one of the few benefits all employees can realistically use.

Tax and Cost Advantages

Employer-funded dental insurance is highly tax efficient:

Employees pay only a small tax charge on the value of the insurance premium - instead of the full cost of treatment from take-home pay

Premiums you fund are tax deductible as a business expense

Simple, Practical Benefits

Quick and easy to claim

Clear explanations and jargon-free product summaries

Plans aligned to dental costs in different parts of the UK

Did you know?

Some dental plans cover pre-existing dental problems and guarantee 100% reimbursement – even in central London, where treatment costs are highest.

Let’s talk about your Dental Care Cover

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What Our Clients Say

Partnerships built on trust, results, and understanding - here's what our clients have to say.

“By identifying and recognising our specific requirements and priorities, Fulcrum has helped us to tailor our company benefits around a relatively strong local National Health Service. This has resulted in significantly reduced insurance costs without reducing the speed or quality of care. We have always found their honest and pragmatic approach to be a good fit with our own business.”

“With our previous provider, I always felt like ‘just a number’ calling them with any queries – whereas an expert outfit like Fulcrum offers personalised service. After meeting them, we discovered there is much to insurance plan design which can impact massively on premiums”.

“Your team are a credit to Fulcrum. Michelle has been excellent with progress and updates to the schemes we’ve implemented.”

“Fulcrum has helped us to protect more employees, through better plan design.”

“Fulcrum thinks in a much more creative and strategic way than the average broker, and as a result provides a much higher value of service. We have saved approximately £50k in direct costs and far more in management time, as administration is far simpler.”

“Good engineers are thin on the ground and it’s important to us to attract and retain some of the best in the industry. Feedback tells us our employees value the benefits aspect of their package, and we are keen go the extra mile with this. We have found Fulcrum’s service to be second to none, extremely knowledgeable and professional.”

“Our experience with the team at Fulcrum has been nothing short of fantastic. They are friendly, approachable and very quick to respond to any queries. They spend time to explain situations and processes, to ensure that we understand them fully which demonstrates their dedication to great customer service”.

“Fulcrum’s advice and hands on approach has enabled us to provide a competitive and comprehensive Benefits package for our Employees.”

“I was initially sceptical that Fulcrum would be able to help us with our staff benefits packages as I felt we already had good value from providers. However, their careful and methodical analysis, combined with some innovative thinking, ended up with a great result with considerable savings for us. What’s more, the savings kicked in immediately. We continue to be delighted with their service.”