Dental Insurance Cover in Australia

Dental insurance in Australia has been a popular topic of discussion in recent years. While there are many health insurance policies available, dental insurance is often considered an afterthought, with some people neglecting to take out coverage altogether.

Unfortunately, this can lead to a number of problems down the line. Dental procedures can be extremely expensive, with some treatments costing thousands of dollars. In fact, Melbourne Australia has one of the highest dental treatment costs in the world, which can make it difficult for many people to afford essential dental care.

Dental insurance policies in Australia can help to cover the cost of a range of dental treatments and procedures, including check-ups, X-rays, fillings, and even more complex procedures such as root canals, crowns, and bridges.

Why is dental insurance important?

  • Dental insurance can help to reduce the financial burden of paying for dental treatments out of pocket. By taking out a dental insurance policy, you can ensure that you have coverage for a wide variety of treatments, which can be especially helpful in the event of an unexpected dental emergency
  • Dental insurance can encourage people to attend regular dental check-ups, which can help to prevent dental problems from arising in the first place. By offering coverage for preventative measures, such as regular cleanings and check-ups, dental insurance can help to keep your teeth and gums healthy, and reduce the risk of more serious dental issues down the line
  • Dental insurance can help to provide peace of mind. Knowing that you have coverage in place can help to reduce the stress and worry associated with dental problems, and make it easier to access the treatments you need when you need them.

Of course, it's important to note that not all dental insurance policies are created equal. Some policies may have limitations or exclusions, while others may be designed to only cover certain kinds of treatments or procedures.

What dental insurance usually covers

Dental insurance usually covers preventive services such as cleanings, X-rays, and checkups. It may also cover basic services such as fillings, extractions, and root canals. Some plans offer coverage for orthodontic treatment, bridges, and crowns. However, coverage can vary greatly depending on the plan

It is important to carefully read and understand the specific benefits and limitations of your insurance policy.


Insurance policies are designed to help people cope with unexpected events that may cause financial loss. Insurance companies provide different types of insurance policies to meet the varying needs of consumers. When it comes to health insurance, two common types of coverage are general and major medical coverages. Although both offer protection against medical expenses, they differ in several ways.

General Cover

General cover, also called basic or essential cover, is a lower level of health insurance that offers basic benefits. This type of cover is the most basic form of health insurance and covers only a limited number of medical services and procedures. It may also cover diagnostic tests and procedures, such as X-rays, blood tests, and ultrasound procedures. However, it excludes coverage for major medical procedures or chronic illnesses.

Major Cover

Major cover, also known as comprehensive or major coverage, offers the highest level of protection against dental expenses. The procedures included in Major Dental are the more restorative type – so as well as receiving all of the treatments that fall under General Dental, you covered for procedures that restore damaged, decayed or missing teeth. These include endodontics (root canals), periodontics (the treatment of gum disease), veneers, crowns, bridges, dentures, and orthodontic works.

What Should I Consider when Looking at the Dental Insurance Provider’s Policy?

There are a number of factors that you must consider before choosing your level of dental insurance.

  • Out-of-Pocket Expenses and Coverage. Always ask what out-of-pocket expenses (also known as your gap-fee) will be for your dental procedures. Sometimes the Minor procedures will be paid for in full by your insurance provider, but it is more common for them to cover 75-80% of the bill for Minor Dental, and up to 50% of the bill for Major Dental. You will then be left be to pay the remainder.
  • Annual Benefit Limits. Annual benefit limits are the maximum amount of money that a dental insurance plan will pay for dental care in a year. The limits vary based on the plan, but they generally range from $1,000 to $3,000 per year. Some plans have no annual limit. For example, if your dental insurance plan has a yearly limit of $1,500, and you receive a root canal that costs $1,200, your insurance provider will pay $1,200, and you will pay the remaining $300. If you go over your annual limit, you will need to pay for the remaining dental care costs out of pocket.
  • Waiting periods. It's important to know that most insurers impose waiting periods before they will cover certain treatments. These waiting periods are designed to prevent people from taking out insurance only when they need treatment and then cancelling again soon after. For example, if you take out an insurance policy with HCF, there is a two month waiting period for general dental services. And if you sign up for dental insurance with Medibank, there is a 12 month waiting period for major dental work. HBF has 12 month waiting period for orthodontics. Note if you have a pre-existing dental condition like missing teeth or gum disease, there may be additional waiting periods or exclusions. 

It's important to read the terms and conditions of any dental insurance policy carefully before signing up, so you know exactly what's covered and how long the waiting periods are. If you're not sure which policy is right for you, consider speaking to an insurance directly to get an expert advice.

Maintaining dental health is essential, but paying for dental care can be costly, especially for major procedures such as root canals, extractions, and orthodontic treatments. Dental insurance can help you manage these expenses by covering all or part of your dental treatment fees.

Here's a list of some of the best dental insurance options in Australia:

  1. Medibank Private - Medibank Private offers one of the widest ranges of dental insurance options, including dental preventive packages, general dental packages, and major dental packages, starting from $7 per week.
  2. Bupa - Bupa offers plans that cover routine dental care, major dental services, and orthodontic treatments. Their dental plans start from $14.85 per week.
  3. HBF - HBF provides a broad range of dental services, including preventive, general, and major treatments, as well as orthodontics, with plans starting from $9 per week.
  4. HCF - HCF's dental insurance plans cover general and major dental treatments, including orthodontics, starting from $6.50 per week.
  5. NIB - NIB provides dental cover for preventive, general, and major dental treatments, including orthodontics, starting from $8.33 per week.

It's important to note that dental insurance plans vary in their benefits, limits, and waiting periods. You should carefully review the inclusions and exclusions, limits, and waiting periods of the plans you are interested in before choosing one that suits you.

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