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Major Dental Insurance

Major dental insurance helps pay for complex and costly dental procedures from around $27 a month. It usually has a 12 month waiting period, so if you think you need major dental, start comparing now.

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Compare major dental insurance

Here are some policies from Finder partners with major dental coverage. All have a 12 month wait period, with other extras like physio or optical also included. All prices are based on a single individual with less than $90,000 income and living in Sydney.

1 - 10 of 44
Name Product Treatments Price Apply
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$12.48
per month
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$26.54
per month
Flex 50
Extras cover
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$31.51
per month
HCF MID EXTRAS
Extras cover
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$32.04
per month
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$32.68
per month
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$33.74
per month
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$33.74
per month
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$33.74
per month
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$34.44
per month
Value Extras
Extras cover
  • General Dental
  • Major Dental
  • Orthodontic
  • Endodontic
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial massage
$37.24
per month
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What does major dental insurance cover?

  • Complex oral surgery. For example, some wisdom tooth extractions are classed as major dental.
  • Dentures. Dentures are removable prosthetic teeth that can be fitted to replace any number of missing teeth.
  • Dental crowns and bridges. These are two different but very closely related types of dental implant you may need. They act like partial fake teeth permanently installed on top of damaged existing teeth.
  • Root canals. For example, if a tooth has fissured or cracked and the interior pulpy tissue becomes infected and inflamed, you may need root canal.
  • Periodontics. This encompasses a variety of non-tooth related treatments such as treatment of gingivitis and other oral tissue problems.

How does private health insurance cover major dental?

Health insurance for dental is split into general and major dental, which are explained below. Orthodontic cover and endodontic cover is also available in some higher tier extras policies.

Major dental

Major dental

Major dental is covered by most mid-range extras policies which let you claim up to around $800 per year. They generally cover more complex procedures such as root canal therapy (endodontics), root planing, more complex fillings and non-tooth related surgery (periodontics). Major dental usually doesn't include orthodontics – you'll need to pay extra for that – and most treatments come with a 12-month waiting period.

General dental

General dental

General dental is available in most extras mid-tier policies, including every policy that also includes major dental. This can cover you for the basics like your 6 month exam, scale and clean, fluoride treatments, X-rays, some fillings and simple extractions.

Major dental waiting periods and claim limits

  • Major dental waiting periods. Most extras policies will come with a 12-month waiting period. This means you need to hold cover for a year before you can start claiming on treatments like endodontics, root planing and periodontics. Basic dental usually comes with a two-month waiting period.
  • Claim limits. A benefit limit is the most the insurer will pay per year, per person. Most mid-range major dental insurance policies come with a $500 to $800 limit. In some cases, sub-limits may apply for specific treatments, such as periodontics.

Frequently asked questions

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