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Care · Dental

Set up company dental insurance without the admin

Private dental care for your people, off the waiting lists. Kota helps you compare providers, set up cover and manage enrolment and offboarding automatically.

Benefits / Dental insurance

Dental insurance

Active
Members covered
128
Claims this month
31
Monthly premium
£1,024.00

Members

  • AMAlice MorganCovered
  • SMSam MurphyCovered
  • JEJamie EllisCovered
  • NDNina DuboisCovered
  • JvDJasper van DijkCovered

Powering benefits for 100,000+ employees

  • Remote
  • PayFit
  • carwow
  • Poolside
  • Cloudsmith

Why offer company dental insurance?

  • Retention

    Helps you recruit and retain talent

    In one survey, private dental insurance was the most sought-after benefit among UK workers, and people use it regularly, so candidates and employees notice it.

  • Care

    Shows your people duty of care

    Dental cover is something every employee needs, regardless of age, role or seniority, and they’ll use it often.

  • Access

    Gives access the NHS can’t

    Thirteen million people in England can no longer access an NHS dentist. Company cover gives your people a straightforward route to private care.

  • Absence

    Keeps your people at work and healthy

    Dental problems are easier and cheaper to treat early. Regular check-ups catch them before they turn into pain and sick days.

About companydental insurance

What is company dental insurance?

Company dental insurance is a workplace benefit that covers your employees’ dental treatment. You can fund it entirely, share the cost, or offer it on a voluntary basis at a group rate. Providers typically need three to five employees for group rates.

What’s covered

  • Check-upsRoutine examinations
  • TreatmentFillings, extractions and restorations
  • HygienistVisits
  • EmergencyDental treatment
  • Crowns and bridgesOn higher-tier plans
  • OrthodonticsOn selected plans

Dental insurance vs. cash plans vs. capitation plans

Dental insurance

How it works
Pays back a share of treatment costs at most dentists
Cover
Routine to major treatment, up to annual limits

Dental cash plan

How it works
Pays back part of each bill, up to a yearly limit
Cover
Dental alongside optical and physio, like Medicash

Capitation plan

How it works
A monthly fee paid to one dental practice
Cover
Check-ups and routine care at that practice, like Denplan

Each suits a different budget and level of cover.

Dental care,without the waiting list.

Even a basic plan covers what your people need most: check-ups, hygienist visits and fillings.

See pricingBook a demo

How Kota handlescompany dental insurance

Many employers use a broker to buy their dental plan and a separate platform to run it. Kota does both, so data doesn’t move by hand between them.

Compare

Company dental cover

ProviderBupaMedicashUnum
Plan typeInsuranceCash planCapitation
Annual limit£1,500£500No limit
TreatmentMajorRoutineRoutine
Per person / mo£11.80£6.40£17.50

Renewal quotes prepared 90 days early

Who offerscompany dental insurance?

Dental providers you can set up with Kota.

United Kingdom

and more

How much does companydental insurance cost?

Dental cash plans often start from £5-£10 per employee per month. Here’s what shapes your premium:

  1. 01

    The type of cover

    Cash plans are usually cheapest, and insurance with higher limits costs more, depending on the treatment covered.

  2. 02

    The size of your team

    Larger teams get better rates. Most providers need three to five employees for group pricing.

  3. 03

    The scope of treatment

    Check-ups, fillings and hygienist visits cost less than plans that extend to crowns, bridges or orthodontics.

  4. 04

    How you fund it

    Employer-funded schemes cost more but see higher take-up. Voluntary schemes cut your outlay but may see lower participation.

Example scenario

A tech company with 40 employees chooses a dental cash plan at £8 per employee per month. The annual cost is £3,840, under £100 per head, for routine check-ups, hygienist visits and emergency treatment.

Illustrative rate.

Tax implications in UK and Ireland

United Kingdom

Employer-funded dental cover is a benefit-in-kind. Premiums are generally an allowable business expense. You report it on each employee’s P11D and pay Class 1A NICs on the value. Payrolling benefits becomes mandatory from April 2027.

Ireland

Premiums are generally deductible as a trading expense. Employees pay PAYE, PRSI and USC on the premium value as a benefit-in-kind, processed through payroll.

“Employee experience is fantastic. The app is clean, intuitive, and puts all of the control back to the employee.”

Paul C.Protex AI

How it works in Kota

From choosing a plan to keeping it current, in three steps.

  • Choose cover and funding

    Pick dental insurance or a cash plan, and decide whether you’ll fund it, share the cost or offer it voluntarily.

  • Set eligibility and get quotes

    Decide who’s covered and from when. Providers quote on headcount, age profile and location.

  • Enrol and keep it current

    Kota enrols your team from your HRIS and keeps cover up to date as people join and leave.

Frequentlyasked questions

Is dental insurance a taxable benefit for employees?
Yes. Employer-funded dental cover is a benefit-in-kind in the UK and Ireland, so employees pay tax on the premium value: income tax in the UK, and income tax, PRSI and USC in Ireland. It’s reported on the P11D or through payroll in the UK, and through payroll in Ireland.
What’s the difference between a dental cash plan and dental insurance?
A cash plan pays a fixed amount per treatment type up to an annual limit. Insurance reimburses a share of actual costs, often with higher limits. Cash plans cost less; insurance offers stronger cover for complex treatment.
How much does business dental insurance cost per employee?
Cash plans commonly start from £5-£10 per employee per month. Comprehensive insurance can be £15-£30 or more. Treat any figure as illustrative until you have quotes.
Can I offer dental insurance on a voluntary basis?
Yes. Employees opt in and pay their own premiums at a group rate you agree, which reduces your direct cost.
How does dental insurance fit alongside private medical insurance?
They’re separate products. Most PMI policies don’t include dental as standard. You can run both in Kota with a single HRIS sync.
Is company dental insurance worth it for employees?
Many employers find it worthwhile, particularly as NHS access gets harder to rely on. Even a basic plan covers check-ups, hygienist visits and fillings, so people feel the value.

Focus on the outcomes, notthe admin

See the plans and the price before you decide. No pressure, no obligation.