Unum UK Reviews 

Absolutely laughable experience.
Well I can laugh about it now it’s 8 months later.
I was facing redundancy as the MD of the company I worked for. I contacted Unum for assistance as part of their helping hands package, and they eventually returned my call on the day I was made redundant. 24 days later! I 100% would not recommend Unum or any company who recommends them.

Very easy to submit claims and reimbursement is paid very quickly.

Dealt with punctually

Quick and simple to make claims, and trouble free. Highly recommended.

I was a 'Clear Continuation' customer with the highest available level of cover for several years after my retirement.

Year on year the return from the policy has reduced in relation to the cost, to the point where a treatment cost £1500 will only result in a £600-£700 payout.

My cancellation phone call summed up the current state of UNUM. The agent didn't even ask why I was cancelling. Either he already guessed or more likely, didn't care.

Easy to submit claims and super quick payout on my dental policy claim

I got a quick response from the company after submitting my insurance claim. There was no delay in the payment sent to me

My claim wasn't fully completed

Speedy and automated response meaning my claim was settled within a couple of days.

Quick and simple process when claiming and getting paid.

The customer service is pleasant enough but honestly the portal and offerings are rubbish. My company moved us from simply health who are absolutely brilliant and UNUM isn’t in the same league. If you try and claim a prescription they make you submit a document from your pharmacist proving who the prescription is for. They won’t accept the label on the medication itself as proof. Make it make sense. The app/portal is also super clunky and making a claim is horrible compared to my previous experience. I’ll definitely be feeding back to my company and hoping they change back.

Easy to use claims process and claims paid quickly

Easy process, prompt review and payments

Fantastic service

Submitting claims online is straight forward and reimbursements are made timely.

Very disappointing experience with this insurance company.

My initial claim was declined, and I had to contact my dentist several times as the claim was repeatedly rejected for different reasons.

More recently, I submitted two separate claims for treatments received on different dates and provided statement from my dentist as supporting evidence. However, the insurer requested additional confirmation from the dental practice to verify that the payments were made on different dates.

I find it concerning that the insurer does not appear to accept the documentation already provided by the dental surgery. Despite submitting the required evidence, my claims were rejected outright.

Based on my experience, I would advise others to carefully review the policy terms and claims process before choosing this insurer.

AVOID AT ALL COSTS - Currently been titrated for a medical condition, Unum denied claim, didn't even quote my specialist, just said GP records didn't indicate anything - yet specialist was very clear.

It appears that the Unum Deny and Delay tactic from the USA is coming over here.

Policies have changed to be pretty terrible vs last year. No longer worth it, 70% of my company have withdrawn from the dental plans.