Man smiling in cafe - major dental image

Major Dental Insurance

Find an extras policy that will cover most major dental procedures.

Major dental work doesn't have to be a major expense. Most insurance brands offer policies that cover everything from crowns to braces to wisdom tooth removal.

You don't even need the highest level policy for certain major dental treatments, but you may need to put in a 12-month waiting period. So if you think you need major dental, get looking now.

Compare some major dental options

We've dug into Finder partners health funds to see what major dental options are available. All have a 12 month wait period, but other extras are thrown into the monthly cost too such as physio or optical. All prices and picks are based on a single living in Sydney, NSW.

Provider Policy Treatment Major Dental Limit Price per month Apply
nib helath insurance logo Core Extras
  • Crowns and bridges
  • Root canal therapy
  • Surgical removal of teeth
  • Dentures
  • Implants
$600 $30.26 Go to Site
HCF Mid Extras
  • Surgical extractions
  • Indirect fillings
  • Treatment of root canals
  • Crowns and bridges
  • Dentures and components
$650 $30.30 Go to Site
AHM logo Image: Supplied Black 60
  • Crowns
  • Bridgework
  • Veneers
  • Implants
$600 $34.50 Go to Site

Compare more extras cover for major dental

Want to research 30+ Australian health funds? Use our free tool. Don't forget to tick dental cover under 'what's important to you?'

Which health insurance policies cover major dental?

Major dental procedures are covered by either your extras policy or a dedicated dental plan.

  • Dental health insurance plans. These policies are specially designed to provide cover for dentistry and oral health issues.
Health Fund Policies that cover major dental services and the annual benefit limits Find out more
HIF Logo The HIF major dental benefit will increase each year you retain your policy. The increase caps at year five.
  • Premium Options. Initially $1,500 per person, capping at $3,000 per person.
  • Super Options. Initially $1,300 per person, capping at $2,500 per person.
  • Special Options. Initially $1,000 per person, capping at $2,000 per person.
More info
Health.com.au
  • Extras 50. Benefit limit of $750 per person.
More info
ahm health fund
  • Super Extras. Benefit limit of $1,100 per person.
  • Black 70 boost. Shared benefit limit of $750 per person and $1,500 per family.
  • Family Extras. Benefit limit of $750 per person.
  • Lifestyle Extras. Benefit limit of $750 per person and $1,500 per family.
  • Black 70. Shared benefit limit of $650 per person and $1,200 per family.
  • Black 60. Shared benefit limit of $600 per person and $1,200 per family.
More info
  • Advanced 80%. Benefit limit of $2,100 per person (includes orthodontics).
  • Intermediate Extras. Combined benefit limit of $500 per person.
  • Classic Extras. Combined benefit limit of $1,200 per person (includes orthodontics).
  • Standard Extras. Shared benefit limit of $600 per person with a sub-limit of $300 for crowns, bridges and dentures.
More info
GMHBA health fund GMHBA allocates varying sub-limits to each service that falls under major dental. You can find the details on each one below this table.
  • Top Extras 75%Benefit limit of $2,000 per person Combined limit with General Dental of $800
  • Top Extras Set BenefitsBenefit limit of $2,000 per person Combined limit with General Dental of $800
  • Mid Extras 65%Benefit limit of $1,500 per person Combined limit with General Dental of $800
More info
HCF Platinum and Gold Extras benefit limits for major dental increase each year you retain your policy. The increase caps at year six.
  • Top Extras. Benefit limit of $1,00 per person.
  • Vital Extras. Benefit limit of $800 per person.
  • Mid Extras. Benefit limit of $650 per person.
More info
  • Top Extras. Benefit limit of $1,300 per person.
  • Core Extras Boost. Benefit limit of $1000 per person.
  • Core and WellvExtras. Benefit limit of $600 per person.
  • Core Extras. Benefit limit of $600 per person.
More info
  • Top Extras. Initial benefit limit of $800 per person, increasing to $1,000 per person after three years and $1,200 per person after five years.
  • Healthy Choice Extras. Benefit limit of $500 per person and $1,000 per policy.
More info

Seeking cover for major dental? Compare health insurance

Photo by Toa Heftiba on Unsplash

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