Finder makes money from featured partners, but editorial opinions are our own.

Dental insurance

Dental insurance can dull the pain. Compare from Australia's most popular insurers – get cover starting from $3 a week.

Start comparing for free

What you need to know about dental insurance

  • You can get dental cover with extras insurance from $3 a week.
  • Dental cover encompasses four groups of cover: general dental, major dental, orthodontic and endodontic.
  • You typically need to wait 2 months before you can claim for general dental, and longer for more expensive treatments.

How does dental insurance work?

Dental insurance is available with extras health insurance, as opposed to hospital insurance. Extras is the cheaper version and covers out-of-hospital servicies not available through Medicare such as dental, optical and physio.

Some policies will pay a percentage of your bill, up to a certain amount, when you visit the dentist. Others will pay a set amount for specific services. It can cover you for:

Simple Extraction

General dental

Covers common procedures such as check-ups, teeth cleaning, fluoride treatments, X-rays and small fillings.

Major dental

Major dental

Covers more complex procedures such as crowns, bridgework, veneers and implants.

Braces

Orthodontics

Covers specialist dentistry for aligning teeth and jaws. Treatments include braces, plates and retainers.

What about dental surgery?

Whenever dental surgery is performed in a hospital – for example, dental implant surgery – it's not typically covered by extras. You'll need hospital insurance for this.

Tim Bennett

Tips for choosing dental cover

Our health insurance expert, Tim Bennett, has put together some tips on how to find the right dental cover for you.

Go to the health fund's agreement dentists

You're allowed to go to any qualified registered dentist but if you go to a provider that your insurer has an agreement with, you can usually get at least one free dental check-up per year. A bunch of insurers including Bupa, ahm and HBF let you do this.

Choose between dollar or percentage limits

Some policies will pay a percentage of your bill, up to a certain amount, when you visit the dentist. Others will pay a set amount for specific services. There's no 'best' option – it depends on what you need. For example, if you just want to use dental, the fixed-dollar limit may be a better option, but the percentage option could be good if you go to an expensive dentist.

Consider combined or flexi limits

A few insurers combine some or all categories of dental treatments under a single limit. For example, general dental, major dental and orthodontic may all have a single limit of $1400 a year. This can be helpful if you have any expensive treatments. Some insurers have flexi limits. You could use most or all of it on dental if you want to.

What's the best dental insurance in Australia?

You have better things to do that trawl through 400+ dental insurance plans. Honestly? We do too but we get paid for it, and we get a kick out of making boring stuff quick and easy.

The policies below won 2024 Finder Awards. They came out on top for value for money – meaning they give you more bang for your buck than the other 400+ policies we analysed.

Keep in mind, everyone's needs are different, so it's worth doing some research yourself to get cover that works for you.

Why you can trust our research

400+ policies assessed

46 health insurers analysed

75+ hours of research

Great all-rounder: HBF - Flex 50

Flex 50

From

$9.14

/week

Extras only

From

$9.14

/week

Our verdict

This won Finder's Medium Extras cover award in 2023 and 2024. Flex 50 gives you $800 to split how you like across 12 popular services, including dental. You could use all of that $800 combined annual limit on dental if you like, or you could split it up – it's totally up to you.

Great for the basics: Westfund - Starter Extras

Starter Extras

From

$5.92

/week

Extras only

From

$5.92

/week

Our verdict

Consistently one of the cheapest dental insurance policies available. Westfund's Starter Extras option includes general dental cover and an optical benefit up to $180 per person. You can also choose how to spend $400 across a bunch of services including dental, optical, physio, chiro and more.

Compare dental policies with General Dental

Here are some extras policies from Finder partners which include dental cover, either general, major or orthodontics. All prices are based on a single individual with less than $93,000 income and living in Sydney.

Name Product Treatments Price Apply
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$12.97
per month
HCF STARTER EXTRAS
Extras cover
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$13.16
per month
black 50 saver
Extras cover
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$14.17
per month
Frank Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$14.48
per month
Freedom 50
Extras cover
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$15.08
per month
Value Extras
Extras cover
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$15.11
per month
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$17.42
per month
Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$20.39
per month
Frank Easy Extras
Extras cover
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$21.34
per month
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$22.32
per month
loading

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

Start comparing for freeStart comparing for free

How much does dental cost?

To help you get an idea of dental costs, we've put together a table of costs based on information from the Australian Institute of Health and Welfare, Australian Dental Association, healthdirect.gov.au and more.

Checkup & cleanCheckup & clean with X-rays
NSW$241 - $344$331 - $462
QLD$229 - $279$317 - $387
VIC$236 - $344$330 - $466
WA$232 - $289$322 - $401
SA$238 - $284$328 - $430
TAS$254 - $291$350 - $401
NT$265 - $358$355 - $464
ACT$258 - $361$356 - $521
AVERAGE$244 - $319$336 - $442
Simple filling - front toothComplex filling - back tooth
NSW$171 - $255$320 - $500
QLD$173 - $205$337 - $415
VIC$178 - $234$318 - $526
WA$159 - $207$312 - $417
SA$165 - $205$327 - $397
TAS$206 - $241$344 - $415
NT$175 - $189$363 - $434
ACT$184 - $250$366 - $440
AVERAGE$176 - $223$336 - $443
1 root canal with filling2 root canals with crown4 root canals with crown
NSW$784 - $971$2,867 - $3,471$3,433 - $4,271
QLD$853 - $1,077$2,920 - $3,552$3,582 - $4,382
VIC$814 - $1,042$2,819 - $3,744$3,429 - $4,748
WA$747 - $785$2,644 - $3,134$3,200 - $3,856
SA$854 - $1,235$2,722 - $3,685$3,270 - $4,385
TAS$880 - $1,108$3,151 - $3,869$3,907 - $4709
NT$757 - $907$2,856 - $3,450$3,510 - $4,246
ACT$793 - $1,120$2,911 - $4,030$3,517 - $5,150
AVERAGE$810 - $1,031$2,861 - $3,617$3,481 - $4,468
Dental implantAll-on-4 implant
NSW$2,792 - $4,044$22,159 - $39,432
QLD$2,601 - $3,616$20,561 - $37,561
VIC$2,860 - $4,147$20,158 - $40,498
WA$3,056 - $3,719$23,083 - $39,226
SA$2,707 - $4,021$18,795 - $27,686
TAS$2,948 - $3,578$21,357 - $38,421
NT$3,130 - $3,315$16,959 - $33,538
ACT$3,075 - $4,297$23,303 - $31,051
AVERAGE$2,896 - $3,842$20,797 - $35,927
Simple extractionWisdom tooth extraction
NSW$230 - $349$444 - $700
QLD$227 - $273$401 - $532
VIC$224 - $326$425 - $598
WA$202 - $300$406 - $600
SA$227 - $257$394 - $600
TAS$263 - $268$420 - $540
NT$267 - $340$456 - $532
ACT$269 - $335$500 - $670
AVERAGE$239 - $306$431 - $597

Is dental covered by Medicare in Australia?

Sadly no. Medicare doesn't cover out of hospital services like dental in most circumstances. The only exception is the Child Dental Benefits Schedule. Some adults in certain states and territories are also eligible – we've outlined these below.

Child Dental Benefits Schedule

The Services Australia Child Dental Benefits Schedule does offer dental benefits to some children. To be eligible, your child must

  • Be eligible for Medicare
  • Be between 0 and 17 years old
  • Receive a payment from the Australian governmnet at least once a year

You can check if your child is eligible on the Services Australia website.

State dental benefits

Queensland icon

Queensland

The following groups can receive free publicly funded emergency dental treatment in Queensland:

  • All children between age 4 and year 10 of secondary school.
  • Children outside of that range who have a concession card or are dependents of a concession card holder.
  • Children in the custody of the Director-General, Department of Communities or Child Safety and Disability Services.
  • Adults with a Pensioner Concession Card from the Department of Veterans' Affairs or Centrelink, a Health Care Card, a Commonwealth Seniors Health Card or a Queensland Seniors Card.

You must be a Queensland resident and you must receive your treatment in a public dental facility.

New South Wales icon

New South Wales

In New South Wales, emergency dental care is free for the following people:

  • All children under 18.
  • Any adult with a valid Centrelink concession card (plus anyone else listed on the card).

You must also have a valid Medicare Card and get your treatment at a New South Wales public dental clinic.

Australian Capital Territory icon

Australian Capital Territory

You are able to access dental services in the ACT if you hold a:

  • A Centrelink-issued Pension Concession or Health Care Card.
  • A Veteran's affairs card.
  • An ACT Services Access card.

Victoria icon

Victoria

In Victoria, the following groups are eligible for free emergency dental care in a community health centre or public dental hospital:

  • All children up to the age of 12.
  • Children up to 18 who are eligible for the Child Dental Benefit Schedule, are in out-of-home care provided by the Department of Families, Fairness and Housing or in custodial care.
  • Children up to 17 who have a valid concession card or are the dependent of someone with a concession card.
  • Refugees, asylum seekers, Indigenous Australians, Torres Strait Islanders and mental health patients.

Adults who have a valid Health Care or Pensioner Concession Card will receive emergency dental care in a community health centre or public dental hospital for $29.50. Everyone else can use the public facilities, but you'll be charged rates that are similar to what you'd find in a private facility.

Tasmania icon

Tasmania

The following groups are eligible for publicly funded dental treatment in Tasmania:

  • All children up to 18 years of age will receive free treatment.
  • Adults with a Health Care or Pensioner Concession Card will receive treatment for a small fee.

You must visit a public dental facility to be eligible.

South Australia icon

South Australia

If you belong to one of the following groups, you are eligible for publicly funded dental treatment in South Australia:

  • Dental treatment is free for all babies and children not yet in school as well as school-aged children under 18 who have a Health Care Card, are members of the School Card Scheme or are dependents of someone with a Pensioner Concession Card.
  • All other children under 18 are eligible for dental treatment if they pay a small fee.
  • Adults with a Pensioner Concession Card or a Health Care Card are eligible for dental treatment if they pay a small fee.
  • Adult Indigenous Australians and Torres Strait Islanders with a Pensioner Concession Card or a Health Care Card are eligible for free emergency dental treatment.

You must have your treatment in a public facility.

Western Australia icon

Western Australia

The following groups are eligible for publicly funded emergency treatment in Western Australia:

  • All children 4 and under.
  • Children 5-16 who are in school.
  • People 17+ who hold a Health Care or Pensioner Concession Card.

You must receive your treatment in a public dental facility. If you live in a rural community and don't have access to a public clinic, you can use a private clinic but you will have to pay full price for treatment.

Northern Territory icon

Northern Territory

You can access free public dental services in the Northern Territory if you meet one of the following:

  • You're under 18 years old, as long you haven't finished school and don't work full time.
  • You have a Centrelink Pensioner or Health Care Card.
  • You're a remote resident in need of emergency dental care and don't have access to private care.
  • You're part of the Australian Government's cleft lip and cleft palate scheme.
  • You're more than 100km from your nearest health service.

Why you can trust Finder's health insurance experts

free

We're free

Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and rated hundreds of policies as part of our Finder Awards. We've published 250+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
help

We're here to help

Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

Frequently asked questions

More guides on Finder

Go to site