myD and dencover

Are you a {my}dentist patient looking for the dencover offer?
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For all your questions about our products, dental plans….

Here you’ll find the answers to frequently asked questions about dencover’s products, plans and jargon busting terms.

  • Can you help customers who are experiencing temporary difficulties paying premiums due to COVID 19?

    We are committed to helping customers as much as we can. If you are experiencing difficulties paying your premiums as a result of COVID-19 then please email us at COVID19queries@unum.co.uk and we will be in touch to discuss the options available.

Jargon buster

Here we’ll help you to understand some of the commonly used jargon within dental insurance.
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Premium

the amount stated on the schedule that you agree to pay each month in return for the cover we provide.

Pre-existing condition

By pre-existing condition, we mean a medical or dental condition (except for pre-existing periodontal conditions), injury or illness that

• the insured person knew about or
• had treatment recommended/planned by a dentist

in the 12 months before the started and returns within 24 months of the policy’s start date

Mouth cancer

By mouth cancer, we mean a malignant tumour, tissue or cells, primarily in the oral cavity, lips, tongue or pharynx, characterised by the uncontrolled growth and spread of malignant cells and the invasion of tissue. Mouth cancer cover will end if you leave or cancel your policy and cannot be claimed again if you start a new policy at another time.

Start date

the date when cover under this policy starts, as noted on the policy schedule.

Qualifying period

This is the set amount of time you'll need to wait before you can claim for certain treatments. Please see the Table of Benefits to see what qualifying periods apply to your cover. The qualifying period applies to each member

Cosmetic or aesthetic procedures

treatment to improve your appearance but not clinically necessary such as tooth bleaching and whitening, including laser treatment to whiten your teeth.

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