Dental Insurance for Employees
The Business Case for Buying Dental Insurance
Why dental cover makes sense for employers and employees
Dental care is increasingly private:
This makes dental cover one of the few benefits all employees can realistically use.
What a Corporate Dental Plan Typically Covers
Most plans include:
Some plans offer more cover when members use approved dental practice networks, helping employees receive consistent treatment at reduced network-linked charges.
Health Cash Plans and some Private Medical Insurance policies reimburse simple routine dentistry costs. But if you want a benefit that covers higher-cost procedures and unexpected dental emergencies, we can help you arrange a bespoke corporate dental plan.
Oral Cancer, Early Detection and Preventative Care
Regular dental visits play a critical role in identifying wider health risks.
During routine check-ups, dentists can screen for early signs of mouth cancer and oral cancer, supporting earlier diagnosis and access to appropriate oral cancer treatment pathways.
By incorporating dental benefits into a broader health and wellbeing strategy, employers can support early intervention and help reduce the risk of long-term absence.
Tax and Cost Advantages
Alongside health benefits, employer-funded dental insurance also offers clear financial advantages:
Simple, Practical Benefits
Did you know?
Some dental plans cover pre-existing dental problems and guarantee 100% reimbursement – even in central London, where treatment costs are highest.
Why Dental Benefits Strengthen Workforce Resilience
For employers, employee dental insurance offers predictable costs, strong utilisation, and clear value as part of a wider health and wellbeing strategy. This creates a benefit that is consistently valued, widely used, and aligned with both wellbeing and cost control objectives.
Preventative dentistry reduces the risk of more serious health issues, while access to timely treatment helps minimise disruption and absence.
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.”
“Through diligent assessment of the market and tough negotiations on our behalf Fulcrum has saved us many thousands of pounds on our staff benefits. As well as major cost savings, the team at Fulcrum are exceptional in their professionalism and customer service”.
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