
Major dental insurance Australia
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The initial results in the table above are sorted by Star Rating (High-Low) , then Monthly premium (approx) (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.
What is major dental insurance?
Private health insurance for dental services and treatment is typically covered under an extras insurance policy. The health insurers decide what different dental treatments are covered by which level of extras policy, and this differs between providers. But, generally, there are four main groups of dental services:
- general dental – basic dental care such as dentist visits, fillings and hygiene services
- major dental – services more complex than basic dental care, such as dentures, crowns
- endodontics – treats conditions inside the tooth, the roots and nerves, such as root canal therapy
- orthodontics – treats dental and facial irregularities, such as braces, jaw issues.
As there is no standardised way of categorising dental services, you may find some providers include endodontics, and less often orthodontics, in its major dental cover policies. Some providers may also use the term ‘complex’ (or similar words) to describe a group of dental treatments. Check with the health insurer to find out exactly what is included in their major dental extras cover.
What does major dental insurance cover?
As a general guide, major dental cover typically includes treatments and services such as indirect teeth restorations, periodontics (for example, surgical gum treatments), crowns, veneers, bridges, implants, dentures, and, if endodontic is included, root canals. Tooth extractions, such as wisdom teeth removal, may be covered under general dental instead of major dental, in some cases. However, what is and what is not covered as major dental differs widely between insurers.
Extras policies only cover out-of-hospital treatments, and, in some cases, day surgery. If your dental treatment requires a ‘hospital admission’ (such as an overnight stay), your extras policy won’t cover you for that admission. To be covered for both your dental treatment and your hospital stay, consider a combined hospital and extras policy.
If you are planning to have major dental work done, it could be a wise idea to ask your dentist for a quote (with item numbers). Then, contact your health insurer to find out if you’re covered, how much you can claim back, and what out-of-pocket costs you’ll need to pay. Keep in mind that some health funds have ‘preferred suppliers’, which could offer low-gap or no-gap treatment. So, your choice of dentist could also impact your final bill.
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About the authors
Karen Yang, Senior Content Production Specialist

Joshua Sale, GM, Research

As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Health Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.
Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.
You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.