The crippling impact of musculoskeletal disorders in the workplace

Musculoskeletal conditions have been a grinding pain on workers across the UK for many years now. But with the publication of the Fit for Work Europe report by the Work Foundation, it seems that this common cause of ill health is posing a serious barrier to growing prosperity, not just in Britain but across Europe.

Levels of cover

Benefits	Oral Healthguard	Oral Health	Oral Health Plus	Oral Health Optimum
Dental emergencies	£800	£800	£800	£800
Accidental damage	£10,000	£10,000	£10,000	£10,000
Oral cancer	£10,000	£10,000	£10,000	£12,000
Hospital cash (oral surgical procedures)	£1,000	£1,000	£1,000	£1,000

100% Preventative treatment	x	£150	£300	£300
80% Minor and major treatment	x	£250	£500	£2,000

NHS Treatment (where NHS banded charging applies)
NHS band 1 - maintenance	x	£16.20	£16.20	£16.20
NHS band 2 - simple treatment	x	£40.14	£40.14	£40.14
NHS band 3 - complex treatment	x	£158.40	£158.40	£158.40
NHS band 4 - urgent treatment	x	£16.20	£16.20	£16.20

Main treatments not covered: Cosmetic treatment. Surgical implants. Replacement of lost or stolen dental appliances (e.g. dentures). Orthodontic treatment (e.g. braces). Mouthguards. Experimental treatment. Pre-existing oral cancer.