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Unum dental insurance

Starting at just £7.50 per month, you can use this policy to help claim reimbursement towards costly and essential dental treatment

Who is it for?

All civilian staff working in MOD Main

What  do I get?

You can use this policy to help claim reimbursement towards costly and essential dental treatment such as, check-ups, hygiene visits, fillings, crowns and dental implants (not available on all policies) up to the policy limits.

Key features

  • Your choice of dentist – NHS or Private practices

  • Worldwide cover

  • A fast claims payment via Unum Dental’s, simple, online paperless process

  • Immediate cover – you can start claiming from your policy start date

  • Cover for pre-existing conditions – excluding mouth cancer

  • Cover for planned and pending treatments – where treatment has been identified but not yet started

  • Dental implant cover (availability depends on cover level chosen)

  • Option to add your partner and/or children on to the same level of cover as you (at an additional cost) Please check the policy summary for full details of dependant cover.

  • Child orthodontic cover for insured children at an additional cost

Cover levels, annual limits and exclusions apply. Full details of the treatments and cover can be found on the benefit schedule available through the mylifestyle portal

Please read the policy documents carefully before applying and please note that you will only be able to apply for dental cover in 2024 between 20 May and 16 June. To apply you must first have registered with Mylifestyle (see how to claim steps below)

Main exclusions

  • Cosmetic treatment

  • Treatment received before your cover starts and after your cover ends

Full details of the exclusions can be found in the policy summary available though the mylifestyle portal


Please note you are unable to cancel this insurance until the next renewal period (20 May – 16 June 2024) , unless you leave Defence or there is a change in circumstances, a list of which can be found in your policy summary. As this is a corporate policy, your cover will automatically end if you leave Defence. Unum Dental may contact you with options to continue your cover as an individual using the email address you provided when you registered to use the online portal.

Contact Unum

 If you have any queries about the plan or would like to check how much you’re entitled to claim before receiving treatment, please contact Unum on:

  • Phone - 020 7265 7111

  • Email -

  • Address - Unum Dental, Milton Court, Dorking, Surrey, RH4 3LZ

Next steps

  • 1

    Select a level of cover from the range of plans available via the mylifestyle portal. Comparing your own dentist’s charges to the cover available should help you pick a suitable plan.

    • NHS dental treatment - all plans cover 100% of NHS dental charges

    • Private dental treatment - all plans cover up to the fixed amount listed on your benefit schedule

    You could also use this handy guide which has more information if you need help picking a plan

  • 2

    To apply for dental insurance you must first register with the mylifestyle hub.  To register, please visit mylifestyle registration and follow the registration instructions.

    Please note that your payroll ID is your MOD staff number (e.g. 123456A). If you are new to the MOD, it can take up to 8 weeks for your details to be recognised by the hub.

    If you have already registered for mylifestyle, then you can sign in using your username and password.

  • 3

    Once you have logged in to mylifestyle, select "mywellbeing" at the top of the screen, and then click "find out more" underneath the Dental Insurance heading. This will take you through to check your eligibility and apply for Unum Dental insurance coverage, which you can only do between 20 May and 16 June.

  • 4

    Unum Dental will send a welcome email/letter to confirm cover shortly after the policy start date on 1 July.

  • 5

    Visit your dentist and start making claims for insured treatments (as listed on your policy schedule) from the day your cover starts.

    There is no dental health check required to join, and you can submit claims quickly and easily using the online claims portal (registration required). Watch the video found  here to learn more. To ensure your claim is processed as quickly as possible, please include details of your treatment, your dentist's details and proof of payment. Claims should be submitted within 12 months of the completion of your last treatment in any course. Unum Dental reserve the right not to pay any claims submitted after 12 months.

    Worldwide cover

    If you need treatment while abroad, get a receipt (in English) and submit your claim in the usual way. You will be reimbursed according to your benefit schedule, using the exchange rate that applied on the date treatment was paid for.

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