• 60% in the first Policy Year;
• 70% in the second Policy Year;
• 80% in the third Policy Year; and
• 90% thereafter.

Dental services, performed by a licensed dentist**, including one annual examination and cleaning, x-rays, fillings, prophylaxis, bridges, crowns, dentures and outpatient dental surgery prescribed as Medically Necessary.

After the policy has been in force three months, pays the cost of one dental cleaning up to a maximum benefit of $75 each Policy Year. This benefit is not subject to the Policy Year Deductible; however, it is included in the Policy Year Maximum Benefit.

Visits to a physician for a basic eye examination or eye refraction, including the cost of eyeglasses or contact lenses prescribed by the physician, up to a maximum benefit of $150 in any one Policy Year.

Hearing examinations performed by a physician or audiologist**,including the cost of the hearing aid and any necessary repairs.

If, for any reason you are not satisfied, the policy may be returned to us or to the agent within 30 days after receiving it. If returned, the policy will be void from its beginning and any premium paid will be refunded.

UCT doesn't charge a policy fee and, although some limitations do apply, your acceptance for this insurance is guaranteed. This Policy is renewable as long as you live, provided you continue to pay premiums when due.

If two or more people, living in the same household at the same address, apply for coverage at the same time, then each may receive a 10% discount.

1. any benefits during the first six (6) months following the Policy Effective Date for root canals, existing eyeglasses or contact lens (including the renewal or changing of prescriptions).
2. benefits during the first Policy Year for bridges, crowns, full dentures or partials, any work relating to replacement of natural teeth which were missing on the Policy Effective Date, "full mouth" extractions, fluoride treatments or existing hearing aids.