Woman benefiting from no gap dental cover

No gap dental

What is no gap dental? Find out how you can save on oral care with help from your health fund.

Dental work can be expensive, so in order to avoid costly payouts, many insurers offer “no gap” dental cover to encourage their members to maintain healthy teeth. This guide looks at what no gap dental is, what it covers and which health funds are offering it to their members.

Which health insurers have a no gap dental scheme?

Health fundExtras policies and annual benefit limits*
teachers health fund
  • Restricted health fund 

If you visit a Teachers Health Fund Health Centre in NSW or VIC you can receive no gap cover for a range of preventative dental services including cleaning, polishing, x-rays and fluoride treatment.

CBHS Health Fund
  • Restricted health fund 

Eligible CBHS members are completely covered for selected preventative dental services including check-ups, scales, cleans and fluoride treatments at any CBHS Dental Choice Network Provider.

Australian UnityAustralian Unity No Gap Dental services offer eligible members preventative dental treatments at no out-of-pocket cost up to a set yearly limit from providers chosen by Australian Unity.
HCF health insuranceHCF’s More for Teeth program provides a range of diagnostic and preventative dental services for the whole family. Over 7,000 dental providers across Australia participate in this program.
nib health insurancenib extras cover provides eligible members with 100% of any cost back for dental check-ups at nib Dental Care Centres. Each check-up includes an examination, scale, clean and fluoride treatment.
Transport Health insuranceTransport Health members are eligible for 'No Gap' Dental if treated at Primary Dental Centres. This includes check-ups, scales, cleans and fluoride treatments. Limits for each service apply.

Compare extras cover that offers access to no gap dental

How does no gap dental work?

If the amount on your dentist bill is higher than the benefit paid by your health fund for that service, the "gap" fee is typically charged to you as an out-of-pocket expense.

A no gap dental scheme means your health fund it will cover the full amount charged, allowing you to avoid the extra costs, providing you are treated by a preferred dentist who is affiliated with your insurer.



What types of services are included in no gap dental?

As no gap dental is aimed at reducing the need for expensive dental treatments later in life, the services that health funds cover include basic preventative treatments such as:

  • Initial check-ups
  • Scale and clean
  • X-rays
  • Basic fillings
  • Topical fluoride treatment
  • Preventative examinations
  • Custom mouth guards for contact sports
These kinds of treatments can prevent bigger dental problems from developing later on and by making them more accessible and affordable for members, health funds are effectively insuring themselves against future losses.

Compare extras policies and receive a quote from an adviser

Details Features
Top Extras
Top Extras
Provides generous benefits with overall limits for a comprehensive range of services including major dental, optical and psychology services. Restricted fund: Only current and former members of an education union and their families can join.
  • Unlimited general and preventative dental
  • $260 optical annual limit
  • $800 physiotherapy annual limit
  • $600 complimentary therapy annual limit
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Top Extras
Top Extras
Comprehensive extras cover that includes a wide range of non-hospital related treatments and services. Restricted fund: Only current and former employees of the Commonwealth Bank of Australia Group and their eligible families can join.
  • Generous overall limits on services
  • Major dental including orthodontics
  • Unlimited preventative dental
  • Hearing aids
Enquire Now More info
Platinum 80%
Platinum 80%
Platinum 80% provides you with 80% back on all included extras.
  • Claim up to $8500 on extras
  • General, complex and major dental and orthodontics
  • Pharmacy
  • Travel vaccinations
Enquire Now More info
Platinum Extras Cover
Platinum Extras Cover
Top level extras cover with highes range of cover for therapies and serivces.
  • 100% back on up to 2 dental visits per year
  • 100% back on initial chiro, physio, osteo
  • General therapies cover
  • Vaccinations and immunisations cover
Enquire Now More info
Top Extras
Top Extras
NIB's premier extras cover with up to $1,000 in General dental covered annually and cover for a range of therapies including Chiro & Osteo.
  • $1,000 general dental cover annual limit
  • $600 physiotherapy annual limit
  • Unlimited ambulance cover
  • $350 optical annual limit
Enquire Now More info
Top Extras
Top Extras
Top level extras cover with highest percentage back.
  • 60 - 100% back
  • $800 dental annual limit per person
  • $850 physiotherapy annual limit per person
  • $300 optical annual limit per person
Enquire Now More info
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Richard Laycock

Richard is the senior insurance writer at finder.com.au and is on a mission to make insurance easier to understand.

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