Dental Insurance Section
Dental Insurance
Dental insurance in Australia - Important Information
We provide this information about dental insurance for our Australian visitors. It is not in any way comprehensive, however explains the most important terms of dental insurance in Australia. For detailed explanations please visit our dental resources page.
Preventive Dental Insurance
Some providers include this type of dental insurance in their products. Typically it partially covers for sports mouthguards, fluoride applications, etc.
General Dental Insurance
General dental services typically include preventative treatments like fillings and extractions. General dental does not include:
- Orthodontic
- Periodontic
- Dentures
- Crowns, bridges
- Endodontic services
Usually a 12 month waiting period applies to surgical procedures. Wisdom teeth and other surgical extractions may be a subject to 6-12 months waiting period.
Major Dental Insurance
Orthodontic services covered by major dental insurance:
- Braces
- Corrective plates
- Other
Major dental insurance may also cover periodontic, dentures, crowns, bridges and inlay/onlay restorative services.
Endodontic Dental Insurance
Endodontic dental insurance usually covers Endodontic treatment.
For example a root canal treatment is a method of saving infected or damaged teeth.
It involves the treatment of infections of dental pulp (nerves) of teeth by removing
the nerve under sterile conditions. The nerve canals are filled and the tooth can then be structurally restored.
Annual Limits of Dental Insurance
The dental insurance cover usually has an annual limit. Is the maximum amount of benefits payable within a calendar year.
When the annual limit has been reached, no further benefits are payable for that person until the next calendar year.
Annual limits vary according with insurance providers and the level of cover of dental insurance in Australia.
Waiting Period of Dental Insurance
Waiting period of dental insurance is the period of time you must wait before your cover starts. Waiting periods vary from 2-12 months and apply to most of providers and covers. Some services have longer waiting periods and apply to:
- When you join or rejoin or renew your dental insurance
- When you change your level of cover
- When you transfer from another fund