
Get exclusive healthy living offers and guides
Straight to your inbox
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Major dental insurance helps reduce the bill for more complex and costly dental procedures like root canals, crowns, dentures and veneers. It usually has a 12 month waiting period, so if you think you need major dental, get looking now.
We've listed a few extras policies from Finder partners including Medibank, HCF, Qantas and ahm to help you get started.
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
Want to research 30+ Australian health funds? Use our free tool. Don't forget to tick dental cover under 'what's important to you?'
Complex and major dentistry includes intensive dental work, specifically endodontics and periodontics, prosthodontics like dentures and restorative dentistry like crowns, bridges and veneers.
Orthodontics is covered by comprehensive or major dental plans. Some private health funds may have a separate dental category for orthodontics that is only available with certain dental or extras plans.
Exclusions may vary between health funds, but some you may encounter include:
The claims process can vary depending on your fund and practitioner. However, here are some general guidelines to claiming:
Health fund | Policies that cover major dental services and the annual benefit limits | Find out more |
---|---|---|
![]() |
| More info |
![]() |
| More info |
| More info | |
![]() |
| More info |
![]() | GMHBA allocates varying sub-limits to each service that falls under major dental. You can find the details on each one below this table.
| More info |
![]() |
| More info |
![]() |
| 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.
| More info |
![]() |
| More info |
![]() | Health Care Insurance allocates varying sub-limits to each service that falls under major dental. You can find the details on each one below this table.
| More info |
![]() |
| More info |
![]() | The HIF major dental benefit will increase each year you retain your policy. The increase caps at year five.
| More info |
![]() | All of Latrobe Health Services' extras policies, except for Premier Silver, increase their major dental benefit limits for each year you retain cover.
| More info |
![]() |
| More info |
![]() |
| More info |
![]() | onemedifund allocates varying sub-limits to each service that falls under major dental. You can find the details on each one below this table.
| More info |
![]() |
| More info |
![]() |
| More info |
![]() |
| More info |
![]() |
| More info |
![]() |
| More info |
![]() |
| More info |
![]() | CBHS allocates varying sub-limits to each service that falls under major dental. You can find the details on each one below this table.
| More info |
![]() |
| More info |
![]() |
| More info |
![]() |
| More info |
![]() |
| More info |
![]() |
| More info |
![]() | RBHS allocates varying sub-limits to each service that falls under major dental. You can find the details on each one below this table.
| More info |
![]() |
| More info |
![]() |
| More info |
*Restricted funds only provide cover to members of specific industries, groups and organisations. In some cases family members may also be eligible to join.
Seeking cover for major dental? Compare health insurance
Photo by Toa Heftiba on Unsplash
Find out how much veneers cost in Australia and how you can avoid being hit with a big bill.
Finder experts explain how to claim home office expenses on your 2020 tax return, tips for new investors and how to get the most out of the EOFY sales in 2020.
Here's how you could save hundreds of dollars a year, just by looking at your insurance for a few minutes.
Help with financial relief, insurance, Government stimulus packages, and more on where to get support during the ongoing COVID-19 crisis.
SPONSORED: Find out how much you should be paying for these 5 common dental procedures
Youi Car Insurance or AAMI? Compare their policies here.
Budget Direct Car Insurance vs NRMA - which provider is right for you? Compare their policies here.
See if nib's extras only plans provide what you need.
Not-for-profit fund HCF offers four hospital cover policies, plus great member benefits too.
Getting a crown fitted is an important way to protect vulnerable teeth, and the right extras policy will help keep the bill manageable.
Get cover to suit your budget and lifestyle.
Great offers, promos, and deals for today.
Hospital, extras, or neither? Find out in 1 minute.
Compare visa-compliant OVHC today.