Unum UK Avis 

Extremely good service, they got back to me straight away & paid out the claim with no fuss whatsoever in a very short timescale. I would recommend this company to anyone. 5 stars

quick and easy - and authorised and refunded in a short time scale

I had a very frustrating experience with UNUM Dental when submitting a claim. Despite clearly having two separate dental issues - one for periodontitis and another for a filling—they attempted to group everything under a single “course of treatment” to limit the reimbursement.

The treatments were diagnosed on different dates and relate to completely different conditions, yet I was still asked to prove this and go back to my dentist for confirmation. This feels unnecessarily bureaucratic and puts the burden on the customer to justify something that should be straightforward.

The process lacks clarity, and the interpretation of NHS rules seems overly rigid and not in the customer’s interest. Overall, the experience has been time-consuming and disappointing.

Honestly, I am not satisfied with the service provided by this company. I use this provider as part of my employer’s benefits package, and I submitted two claims — one for myself and one for my husband.

When I later checked the claim I created for my husband, it showed a lower amount than what I had originally paid. At first, I assumed I must have entered the wrong amount by mistake. Then, when I submitted my own claim, I made sure to take a screenshot of the details I entered.

Today, I received an email saying that my claim had been approved. When I checked, I noticed that for my own claim as well, the system showed an amount that was £100 less than what I had actually entered. I logged into the website, and it displayed the same reduced figure. When I compared it with my screenshot, I confirmed that I had entered the correct amount originally — but somehow, the claim amount had been altered afterward, and it now appears as though I entered the lower figure myself, while also showing that I have been fully reimbursed.

There is clearly an issue here. Why is my £950 claim being displayed as though I submitted £852? Likewise, I paid £443 for my husband’s claim, but it has been reduced to £398.

These are not the amounts approved or reimbursed by the insurance provider — these are the amounts I personally entered when creating the claims. How is it possible for these figures to be changed in the system?

I will check my company if it is okay I will add more detail here because I cannot trust them.

I have a 'Clear 5' policy with them, which is the top one.

I has x4 fillings, at a regular dentist, The cost was £748,

Umum pay £55 if you have 1, £65 if you have 2, and £80 if you have 3.
... so in effect they are paying you £55 for filling 1, and then an additional amount of £25 for fillings 2&3.

Wouldn't recommend, their are better providers out there.

Quick and straightforward claims process with a user-friendly online platform and interface

Private dentist. I had an exam and descale. I've got level 1 cover. So around 27quid per treatment should be claimed. They only paid out for one, saying it's classed as one treatment as it was done on the same day. Feel like this has been misold.

Easy to use and upload receipts. Quick to process payments.

Used to be speedy in resolving claims but the last two I’ve put in for a mouth guard they claimed they needed more information like the person making the claim, itemised bill from the provider etc and what the treatment covers. I’d logged the claim on their app so I don’t know why they claimed they needed to know who the patient claiming the treatment was.

Twice this has happened and I can’t be bothered with the hassle so am cancelling my policy.

These people will pester you non stop I made it clear I was not interested in filling a claim yet I was receiving phone calls and emails almost non stop to the point of borderline harassment. When one employee refused to stop calling I got very short with him over the phone to then have a different employee ring me back within a day

dirty vultures

Easy to use . Prompt service and payment. very impressed.

fast , efficient repayment

So easy to deal with. Everything sorted right first time every time. Thank you.

Very easy to claim, no quibbles at all about payment which was very quick (1 working day from application).

Customer service non existent, standard template replies, no personalised service and most of all couldn't give 2 flying effs about anyone who is unable to use the app.

Bought a policy through my employer 8 months ago. Claims are so easy to make an usually paid within just a few days. Had to claim for an emergency when I saw 4 different dentists in 5 days and all costs covered. Cannot recommend enough. Make sure you choose the right policy for you and read all the small print and costs you can claim back

Clear and easy to use