For dental insurance. that makes life easier for my people. For Living

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1 For dental insurance that makes life easier for my people For Living New for 2018

2 2 Bupa dental insurance Contents 4 Why choose Bupa dental insurance? 6 Bupa Dental Plan 8 Bupa Dental Choice 10 Combining dental insurance and service excellence Dental health and wellbeing There are established links between gum disease and serious illnesses like heart disease, stroke and even diabetes. This means that protecting your team s dental health could contribute to their overall health and wellbeing, which is good news for everyone. People with gum disease are found to have raised inflammatory markers in their blood which are thought to contribute to systemic problems like heart disease, stroke and even diabetes. Dr Neil Sikka BChD, Bupa Dentist

3 New and improved Our dental insurance options have been enhanced for 2018 to help make sure we re offering you and your employees our best value. Dental insurance with Bupa helps keep your employees smiling and your business performing. Not only is it a truly valued benefit, but thanks to Bupa-owned centres on high streets all over the UK where claims can be settled in minutes, it makes visiting the dentist easier than ever before. To find out more about Bupa dental, talk to your account manager or intermediary partner

4 4 Bupa dental insurance Why choose Bupa dental insurance? Easy to see the value Everyone needs dental care. Employees can use their dental plan at least twice a year and feel good about it thanks to you supporting their health and wellbeing. With our plans, employees can even add their partner and/or children. Easy access to care We don t just offer dental insurance; we also operate our own practices. With over 450 Bupa-owned practices nationwide, there s likely to be a practice close to home or work helping your team take less time out of the working day. 20% discount* on general dental treatment costs If your employees use a participating dentist in the Bupa Dental Insurance Network, they will get a 20% discount on general dental treatment costs, helping them make the most of their benefit limits. *You must inform the dentist you have Bupa dental insurance and provide your membership number prior to your appointment to benefit from this offer. To find the selected Bupa owned and approved centres where this offer is available see finder.bupa.co.uk and search the Bupa Dental Insurance Network. Discount excludes lab fees and specialist treatment and cannot be used against NHS and Bupa Dental Essentials services. Discount cannot be used in conjunction with any other discount.

5 What makes our cover different? Settling claims there and then When your employees visit selected Bupa-owned practices within our dental insurance network, we don t expect them to pay up front and then claim back the cost of their treatment. Instead, we take care of the claim there and then. We call it direct settlement, and it means that as long as the treatment is covered under the policy, in most cases your employees won t need to get their wallet out. This will be rolled out across our dental centres from September Orthodontic, emergency and oral cancer treatment cannot be claimed for in this way in the UK. Does not apply to NHS treatment in Northern Ireland and Scotland. Focusing on preventative care Insight tells us that preventative benefits like routine examinations, scale and polish and X-rays get used the most (they make up almost two-thirds of claims), so we have generous benefit limits in this area. We also guarantee that if employees with Dental Plan Level 3 or 4 come to selected practices in our Bupa Dental Insurance Network for preventative treatment that is within their usage levels, there will be no unexpected costs for them to pay. Preventative treatments covered are routine examinations, 30 minute scale and polish and small X-rays. Supporting your employees when it matters most Serious injury or illness can be hugely stressful. The last thing we want is for your employees to have to worry whether they are covered. That s why we provide our most comprehensive support in these areas. We offer comprehensive dental injury and worldwide emergency dental cover. After a waiting period of six months, there are no financial or time limits on our cover for oral cancer. No forms, no fuss claiming and our Preventative Care Promise are not available in all Bupa-owned dental centres and will be available at participating centres from September To find out which centres offer these services, please visit finder.bupa.co.uk If you have other products with us Discounted cover If your business has health insurance with us, you could benefit from a discount on our dental insurance. Please speak to your account manager for more information. Account management You want administering your health benefits to be simple. That s why, no matter how many products you have with us, you ll have just one dedicated account manager looking after everything.

6 6 Bupa dental insurance Bupa Dental Plan Simple, flexible and easy to manage, Bupa Dental Plan gives your employees the freedom to stay on top of their oral health with the dentist of their choice. Prevention is better for business Insight tells us that almost two-thirds of claims are for preventative benefits like routine examinations and small X-rays, so Bupa Dental Plan offers generous benefit limits in this area. In fact, with Levels 3 and 4 of Dental Plan, in nominated Bupa practices in the Bupa Dental Insurance Network, your employees can access preventative treatment and rest assured that they will not face any unexpected bills as their preventative treatment will be covered in full when used in line with product usage limits. In conjunction with no forms, no fuss claiming, this means your employees never have to pay for preventative treatments in selected dental practices. Preventative costs covered

7 How it works With Bupa Dental Plan, treatments are grouped together in categories or pots, meaning employees can claim multiple times within the same area up to their benefit limits. You can select different levels of cover Core and Levels 1 to 4. Benefit limits vary depending on the level you choose. If your employees use a dentist in the Bupa Dental Insurance Network, they will get 20% off* general dental treatment costs helping them make the most of their benefit limits. Employees have their treatment and we will settle the claim there and then as long as they visit a Bupa-owned dental practice where no forms, no fuss claiming is available. Check finder.bupa.co.uk for a full list of participating centres. When employees are using a dental practice that isn t Bupa-owned, they can use our easy claiming process online. Your employees will need to pay any costs that exceed their benefit limits, unless they have cover levels 3 or 4 and are claiming for preventative treatment with a Preventative Care Promise dentist.^ Check finder.bupa.co.uk to locate participating dentists. 415,000 estimated working days are lost each year due to oral health problems. The British Society of Dental Hygiene and Therapy, Feb 2016 * You must inform the dentist you have Bupa dental insurance and provide your membership number prior to your appointment to benefit from this offer. To find the selected Bupa owned and approved centres where this offer is available see finder.bupa.co.uk and search the Bupa Dental Insurance Network. Discount excludes lab fees and specialist treatment and cannot be used against NHS and Bupa Dental Essentials services. Discount cannot be used in conjunction with any other discount. ^ Our Preventative Care Promise for routine examinations, small and medium X-rays, and 30 minute scale and polish, is available in participating centres in the Bupa Dental Insurance Network. Any restrictions on the number of treatments per year for routine dental treatment will still apply. For example, if your Bupa Dental Insurance Network centre offers our Preventative Care Promise, your basic examinations will be covered in full twice per year. When visiting a non-participating dentist, we will cover up to the benefit limit for basic examinations, up to twice per year. At a glance This is a high level overview of the benefits available under Bupa Dental Plan. Full policy terms are available in the Bupa Membership Guide including a full list of exclusions and exceptions. Who is it for? Small to medium sized businesses Large corporate businesses Who pays? Company paid option Employee paid option Option to cover family? Product structure Can employees use anydentist? Discount for using a dentist in the Bupa network? What is included? Preventative treatment Restorative treatment Dental implants Orthodontics Emergency cover Dental injury Hospital cash benefit Anaesthetist fees Mouthguards Oral cancer (unless pre-existing) What isn t included? Cosmetic treatment Dentist call-out fees Mouthguards (sports) Telephone consultations with dentists following emergency or injury Injuries that take place before cover start date Surgical implants to correct a gap that existed before cover start date Benefits grouped (worldwide) (worldwide) (after a 6 month waiting period)

8 8 Bupa dental insurance Bupa Dental Choice This option offers the reassurance of itemised dental benefits and the freedom to use any dental practice. Dental insurance was placed in the top five health and wellbeing benefits offered by respondents organisations. Employee Benefits survey, May 2017

9 How it works With Bupa Dental Choice, treatments are itemised, giving employees the reassurance of being able to see what they can claim for each individual procedure. You can select different levels of cover Core, Classic, Premier, Platinum, Prestige with Core offering the lowest benefit limits and Prestige the highest. Your employees can use any dentist, however, if they use a dentist in the Bupa Dental Insurance Network, they will get 20% off* general dental treatment costs helping them make the most of their benefit limits. Employees have their treatment and we will settle the claim there and then as long as they visit a Bupa-owned dental practice where no forms, no fuss claiming is available. Check finder.bupa.co.uk for a full list of participating centres. When employees are using a dental practice that isn t Bupa-owned, they can use our easy claiming process online. Your employees will need to pay any costs that exceed their benefit limits. * You must inform the dentist you have Bupa dental insurance and provide your membership number prior to your appointment to benefit from this offer. To find the selected Bupa owned and approved centres where this offer is available see finder.bupa.co.uk and search the Bupa Dental Insurance Network. Discount excludes lab fees and specialist treatment and cannot be used against NHS and Bupa Dental Essentials services. Discount cannot be used in conjunction with any other discount. At a glance This is a high level overview of the benefits available under Bupa Dental choice. Full policy terms are available in the Bupa Membership Guide including a full list of exclusions and exceptions. Who is it for? Small to medium sized businesses Large corporates Who pays? Company paid Employee paid Option to cover family? Product structure Can employees use any dentist? Discount for using a dentist in the Bupa network? What is included? Preventative treatment Restorative treatment Dental implants Orthodontics Emergency cover Dental injury Hospital cash benefit Anaesthetist fees Mouthguards Oral cancer (unless pre-existing) What isn t included? Cosmetic treatment Dentist call-out fees Mouthguards (sports) Telephone consultations with dentists following emergency or injury Injuries that take place before cover start date Surgical implants to correct a gap that existed before cover start date Itemised (worldwide) (worldwide) (after a 6 month waiting period)

10 10 Bupa dental insurance Combining dental insurance and clinical expertise Bupa dental insurance makes things simpler for your employees as they can choose to visit Bupa-owned centres for their dental care. Bupa Dental Care is the largest private dental provider in the UK, with over 450 practices, many with convenient city-centre locations. With broad dental expertise at our disposal, we re able to work with practising dentists who are part of the Bupa family in the development of our insurance products. This means your business and your employees can be sure we draw on the experience of the people who are best qualified to guide on what matters most to dental customers.

11 Our dental practices on the high street Bu~ Dental Care PLATINUM DENTISTRY PartofBupa total orthodontics PartofBupa Making appointments easy It s easy for your employees to search for a dentist and book their new patient appointment online. You can find our full network of Bupa owned-centres and approved dentists at: finder.bupa.co.uk Benefits for your business and your employees A collaborative approach to insurance and service The reassurance of a large dental network Working with dentists helps us understand the needs of our customers 20% discount* on general dental treatment at selected Bupa-owned and approved network dentists Claims settled there and then with no form filling at participating Bupa owned practices in our dental insurance network Preventative treatment fully covered in many of our owned and approved dental practices with Bupa Dental Plan Levels 3 and 4 in line with usage limits^ To find out more about Bupa dental, talk to your account manager or intermediary partner *You must inform the dentist you have Bupa dental insurance and provide your membership number prior to your appointment to benefit from this offer. To find the selected Bupa owned and approved centres where this offer is available see finder.bupa.co.uk and search the Bupa Dental Insurance Network. Discount excludes lab fees and specialist treatment and cannot be used against NHS and Bupa Dental Essentials services. Discount cannot be used in conjunction with any other discount. ^Our Preventative Care Promise for routine examinations, small and medium X-rays, and 30 minute scale and polish, is available in participating centres in the Bupa Dental Insurance Network. Any restrictions on the number of treatments per year for routine dental treatment will still apply. For example, if your Bupa Dental Insurance Network centre offers Preventative Care Promise, your basic examinations will be covered in full twice per year. When visiting a non-participating dentist, we will cover up to the benefit limit for basic examinations, up to twice per year.

12 Bupa dental insurance is provided by: Bupa Insurance Limited. Registered in England and Wales No Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by: Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No Registered office: 1 Angel Court, London EC2R 7HJ Bupa Dental Care is a trading name of: Oasis Dental Care Limited, Registered number , Oasis Dental Care (Central) Limited, Registered number and Oasis Dental Care (Southern) Limited, Registered number Registered in England and Wales. Registered Office: Bupa Dental Care, Vantage Office Park, Old Gloucester Road, Hambrook, Bristol BS16 1GW Bupa bupa.co.uk BDC/3334/MAY18 BHF 11181

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