Dental Explained

General Dental

There is a 2 month waiting period for General Dental services, which consists of services like:

Examinations – When the dentist checks your teeth for cavities and gum disease.
Preventative treatments – Such as a dental check-up, clean and polish.
Scale and clean – The removal of plaque and calculus, followed by a clean and polish to help with the longevity of healthy teeth.

General Dental services consist of the below item ranges:


Major dental

There is a 12 month waiting period for major dental services.

411-458: Endodontic services like root canal therapy
811-881: Orthodontic services

Typically, major dental consists of things like:

Endodontic services – typically procedures such as root canal and wisdom teeth removal
Major restorative fillings – veneers and similar
Periodontics – treatment of periodontitis (also known as gum disease)

Each cover has a distinct range of services that are covered. Benefits are paid up to an annual cap, which applies over a calendar year, for every person covered by a policy. The annual caps vary by policy. It’s best to check your specific policy for set benefit details.

You may choose to see any provider you wish, as long they’re in private practice and recognised as such by us.

Dental procedures are typically performed in the chair at the dentists, but when it comes to more complex dental services such as wisdom teeth removal, your dentist may want to either remove them in the dental chair, or in a private hospital. This will depend on a few things, such as the position of the wisdom teeth, the urgency, and number of teeth needing to be removed.

Please Note: Waiting periods apply if you have not already served the relevant waits with us or your previous health insurer. Waiting periods will also apply to increased limits or added services should you upgrade your cover.

So what's the price difference between Dental chair and Private Hospital?

When having a dental procedure done in the chair, you’ll simply swipe your card when paying and the applicable benefit will be paid towards the service.

If you need to go to a Private Hospital for dental surgery (wisdom teeth removal for example) you'll have to pay any applicable excess for the hospital portion of the admission. The actual removal of your wisdom teeth (as it is still being done by a dentist, and falls within the 3-digit codes) will be paid by your extras cover, as explained above. Anaesthetic for the procedure in hospital will typically be covered under a relevant hospital cover, with what’s known as an MBS item number. More information on this is available here.

You can read more about going to hospital in our guide here.



Have you heard the word?

On 1 July 2021, will join forces with Frank Health Insurance.

Learn more about how this may affect your Extras cover here.