Dental Insurance Cover

Through our Employee Benefits provider Reward Gateway, colleagues can access dental cover at discounted rates. 

Please note, the scheme is now closed and will be available for colleagues to register again between September and October 2026.

New colleagues who join the University will still be able to register within 30 days of receiving their Reward Gateway login.

Recording of live webinar on 8 October 2025

What is dental cover?

Dental cover can help cover the cost of routine and essential dental treatments throughout the year through reimbursement towards the cost of routine, minor and major dental care such as check-ups, hygienist visits, fillings, crowns and even dental implants (available on selected policies). Employees can also add family members to the policy for an additional cost, and receive cover towards child orthodontic fees. The policy allows employees to visit any dentist anywhere in the world NHS or Private, helping you and your family maintain and restore your oral health.

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 children on to the same level of cover as you (at an additional cost)
  • Child orthodontic cover for insured children at an additional cost

What can I claim?

The policy has 3 levels of cover offering increasing amounts of reimbursement towards the cost of preventative, minor and major dental treatments such as:

  • Check ups & X rays
  • Scalings with the dentist or hygienist
  • Fillings & root canal treatments
  • Crowns, bridges & dentures

Plus cover towards:

  • Child orthodontics
  • Accident/Injury treatment including sports injuries
  • Mouth cancer
  • And much more…


Cover levels, exclusions and annual policy limits apply. Please read all the policy documents carefully before applying.

Exclusions

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

New this year - Clear Extra

Additionally with your Dental Insurance this year, you will also have access to Clear Extra. This is an enhanced, research-driven dental product, designed to meet the evolving needs, helping you manage the rising costs of dental care by focusing on the most claimed treatments, such as preventative care and essential restorative treatment.

Full details are available here:

 

New this year - Toothfairy Guide

You will also have access to the Toothfairy App. This will give you additional benefits such as access to health and wellbeing information, including free live dentist chat with a dental specialist who will be able to provide online assistance from dental emergencies to general oral advice.

Full details are available here:

What plan is right for me?

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 the what plan is right for me guide which has more information if you need help picking a plan.

How much does it cost?

For Clear Extra 1 as an employee only it would cost £11.56, for you and your partner it would cost £23.12, for you and your children it would cost £23.12, for you, your partner and your children it would cost £34.68.

For Clear Extra 2 as an employee only it would cost £19.50, for you and your partner it would cost £39, for you and your children it would cost £39, and for you, your partner and your children it would cost £58.50.

For Clear Extra 3 as an employee only it would cost £23.88, for you and your partner it would cost £47.76, for you and your children it would cost £47.76, and for you, your partner and your children it would cost £71.64.

For Clear Extra 4 as an employee only it would cost £35.00, for you and your partner it would cost £70.00, for you and your children it would cost £70.00, for you, your partner and your children it would cost £105.00.

For Clear Extra 5 as an employee only it would cost £49.76, for you and your partner it would cost £99.52, for you and your children it would cost £99.52, for you, your partner and your children it would cost £149.28.

The figures quoted are monthly.

 

 

 

 

 

For Clear Extra 1 as an employee only it would cost £11.56, for you and your partner it would cost £23.12, for you and your children it would cost £23.12, for you, your partner and your children it would cost £34.68. For Clear Extra 2 as an employee only it would cost £19.50, for you and your partner it would cost £39, for you and your children it would cost £39, and for you, your partner and your children it would cost £58.50. For Clear Extra 3 as an employee only it would cost £23.88, for you and your partner it would cost £47.76, for you and your children it would cost £47.76, and for you, your partner and your children it would cost £71.64. For Clear Extra 4 as an employee only it would cost £35.00, for you and your partner it would cost £70.00, for you and your children it would cost £70.00, for you, your partner and your children it would cost £105.00. For Clear Extra 5 as an employee only it wouold cost £49.76, for you and your partner it would cost £99.52, for you and your children it would cost £99.52, for you, your partner and your children it would cost £149.28.

How do I apply?

The window to enrol in the insurance policy is time limited – Existing employees can only join the scheme during the current enrolment period which is open from 30th September to 26th October 2025.

  1. Log-in to the Mylifestyle Platform using your Reward Gateway login details (If you require a log in, please select forgotton password and enter your work email address, you will then receive an email to reset your password.)
  1. Select the tab “mybenefits”
  2. Select Dental Insurance.
  3. Copy the enrolment code
  4. Select Find out More
  5. Follow the instructions outlined on the page. You will need your employee number which you can find on your staff card or payslip.
  6. View the plans available and select a level of cover from the options given.
  7. Complete the application process and set your username and password to access the online claim portal.

How to make a claim

Claiming with Unum Dental is easy. There’s no need to use paper forms – with your policy you have access to an online portal to make claiming quick and easy, you can even use your smartphone. Watch the video to learn more. Please note to ensure your claim is processed as quickly as possible, please include details of your treatment, your dentist's details and proof of payment. Unum Dental cannot process any claim without 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.

How to make a claim - a video from cover provider Unum

How to make a claim - a video from cover provider Unum

Please note: The contract will be between the policy holder and insurance provider Unum. Policy repayments are made via direct debit between the policy holder and insurer.

Cover levels, exclusions and annual policy limits apply. Please read the policy documents (provided during the application process) carefully before applying.

 

 

The University of Glasgow does not gain financially from this offer, nor does it endorse or guarantee any of the goods or services offered. You take up these offers at your own discretion and under your own responsibility.