10+ Best Private Dental Insurance in Australia

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You need to really understand that private dental insurance in Australia doesn’t run like the usual public dental insurance providers, as there are lots of differences with the annual limits, waiting periods, and many more.

In this article, you will show you all you need to understand about private dental insurance and also highlight 10 of the very best coverage providers in Australia.

Let’s get started.

What is Private Dental Insurance?

First, Dental insurance is a type of health insurance that covers your dental treatments and services. Now, Private Dental Insurance is provided by private health insurance companies and can be purchased either as a standalone policy or as part of a comprehensive health insurance plan.

Private dental insurance covers a range of services, including:

  • General check-ups
  • Fillings
  • Root canal treatments
  • Extractions, and more.

The level of coverage provided by private dental insurance can vary depending on the plan you choose.

Generally, private dental insurance works by paying a portion of the cost of your dental treatment, with the amount covered depending on the level of coverage provided by your plan.

To use your private dental insurance, you will typically need to pay a monthly premium and meet any applicable waiting periods or out-of-pocket expenses.

Read Also: 9+ Cheapest Dental Insurance in Ontario

Benefits of Private Dental Insurance Over Public Dental Services in Australia

Some of the benefits Private dental insurance offers over public dental services include:

  1. You’ll have the ability to choose your own dentist and schedule appointments at a time that is convenient for you.
  2. Covers a wider range of dental treatments and services than public dental services.
  3. Private dental insurance can help you save money on the cost of your dental treatment, particularly if you require extensive or specialized dental work.
  4. Another benefit of private dental insurance in Australia is that you will have the ability to receive treatment in a private dental clinic, which can provide you with a more comfortable and personalized experience compared to public dental clinics.

Check this out: 10+ Best Private Dental Insurance in Ontario

Factors to Consider When Choosing a Private Dental Insurance Plan in Australia

Here are some of the factors you should consider when choosing a private dental insurance plan in Australia:

  • The level of coverage provided by the plan
  • The Cost of the plan, including the monthly premium and any out-of-pocket expenses you may need to pay.
  • Types of dental treatments and services that are covered
  • The annual limits and benefit caps
  • Any waiting periods or exclusions that may apply.
  • Reputation and reliability of the insurance provider
  • The availability of extras like dental check-ups and cleaning, and
  • Any additional features or benefits that may be offered.

Read Also: Top 6 Private Dental Insurance in the UK

Costs of Private Dental Insurance in Australia and Ways to Save Money

The cost of your private dental insurance policy in Australia can vary depending on factors like:

  1. The level of coverage provided by the plan
  2. Your Age, and
  3. Location.

In general, basic dental insurance plans can start from as little as $10 per week, while more comprehensive plans can cost upwards of $50 per week or more.

Now, If you want to save money on the cost of private dental insurance, you can consider:

  • Bundling your dental coverage with other health insurance plans
  • Taking advantage of discounts or special offers from insurance providers.
  • You may also be able to reduce your premiums by opting for a higher excess or agreeing to pay a portion of the cost of your treatment.

You will love to see this: 7+ Cheapest Dental Insurance in Australia

Common Exclusions and Limitations of Private Dental Insurance in Australia

While private dental insurance in Australia can provide valuable coverage for a range of dental treatments and services, you must be aware of any exclusions or limitations that may apply.

Common exclusions and limitations with private dental insurance in Australia can include:

  • Waiting periods for certain treatments
  • Annual benefit limits or caps
  • Exclusions for pre-existing dental conditions
  • Exclusions for cosmetic procedures, and
  • Exclusions for certain types of dental providers or treatments.

Do well to carefully review your insurance plan and any product disclosure statements to understand the specific exclusions and limitations that apply to your coverage.

Alternatives to Private Dental Insurance in Australia

From experience, we have observed that private dental insurance may not be so cool with everyone, so in case you fall into this category, we have provided some alternatives you can consider.

Some alternatives to private dental insurance that is available in Australia include:

  • One option is to pay for dental treatment out of pocket, either as a one-time expense or through a payment plan.
  • Another option is to access public dental services, which are provided by state and territory governments and offer free or low-cost dental treatment to eligible individuals.
  • You may also be able to access dental services through a community health center, dental school, or other non-profit organization.

We always advise that you consider your individual needs and circumstances when choosing the right dental care option for yourself.

Tips for Maximizing Your Private Dental Insurance Benefits in Australia

Here are some tips you can follow to maximize the value of your private dental insurance in Australia:

  1. Schedule regular dental check-ups and cleanings to help prevent costly dental problems from developing
  2. Understand the coverage and limits of your insurance plan
  3. Use preferred providers or in-network dentists to take advantage of negotiated rates
  4. Consider alternative treatments or payment options if a particular treatment is not covered by your insurance plan.

In Addition, It is also important to keep your insurance provider updated with any changes to your personal or dental health status, as this can affect your coverage and benefit entitlements.

10 Best Private Dental Insurance in Australia

Here are the Top 10 Best Private Dental Insurance in Australia:

  • Australian Unity
  • Smile.com.au
  • AIA
  • HIF
  • Frank Health Insurance
  • AHM
  • Medibank
  • NIB
  • BUPA

#1. Australian Unity

Australian Unity has been supporting the dental well-being of Australians since 1840 and they have very cool offers.

When you get your Private dental insurance from Australian Unity, you will have access to:

  • Preventive Treatment
  • General and Restorative Treatments
  • Emergency treatments and many more

As an Australian Unity Dental Health Insurance customer with extra cover, you can get preventative dental treatment with no out-of-pocket costs once you visit any of our Australian Unity Dental Centres.

Some of the preventative dental treatments you will be getting from Australian Unity include:

  • Initial and preventative examination, including X-ray
  • Scale, clean, and topical fluoride treatment
  • Custom mouthguards for protection during contact sports

Use the button to learn more.

#2. Smile.com.au

They have been recognized as one of the best as they have been rated excellent based on over 2000+ reviews.

As a member, Smile.com.au offers

  • Reduced and Capped Dental Fees
  • Low Annual cover fee of about $79 a year.
  • Over 3000 quality dentists
  • No waiting period
  • No treatment Exclusion
  • No benefit limits and many more.

Also, Smile.com.au made things easy by providing plans that would suit you in case you want to get a plan as;

  • A Single
  • Family
  • Couple
  • Sole Parent

Use the button to learn more about them.

#3. AIA

AIA Australia is an insurance company that is part of the popular AIA Group which has been operating in Australia for over 40 years.

AIA dental health insurance company is present in over 18 markets in the Asia-Pacific region. In Australia, AIA offers both Life Insurance and Health Insurance products.

Their dental health insurance products can cater for:

  • Singles
  • Couples
  • Family
  • Single parents

Feel free to learn more about their health insurance.

Site Unavailable.

#4. HIF

Health Insurance Fund of Australia (HIF) is a well-known not-for-profit Member-focused Private dental insurer that has been providing dental health insurance since 1954.

As they will always say, their Dental cover is designed to encourage and reward regular maintenance of your teeth. HIF also provides one of the most affordable dental insurance in Australia.

Source - HIF - One of the Best Private Dental Insurance in Australia
Source – HIF – One of the Best Private Dental Insurance in Australia

HIF of 2 sets of Dental Services, and they are:

Major Dental Services

  • Full crown Veneered
  • Full Crown – Non Metallic
  • Filling of one Root Canal
  • Dentures

General Dental Services:

  • Oral Examination
  • Scale and Clean
  • Dental X-ray
  • Tooth filling and Restoration
  • Surgical tooth extraction.

Use the button to learn more and get this affordable dental insurance plan in Australia.

#5. Frank Health Insurance

Frank has been in the health insurance industry since 2009, providing Australias with easy-to-understand insurance policies.

Frank Health Insurance has currently joined forces with smile.com.au to make dental care more accessible and affordable for you.

It has been made so cool that Frank’s extras cover will save 15 – 40% of all dental treatments performed by a smile.com.au approved dentist.

This implies that you will have lower out-of-pocket costs for any treatment, as smile.com.au dentists will reduce their normal fees by at least 15% for you.

These savings are in addition to your existing Frank dental benefits.

#6. AHM

AHM has over 40 years of experience in dental health insurance and they clearly understand that you don’t want any dental coverage less than standard.

As a Private Dental insurer, their coverage has been trusted by over 700,000 Australians, as they are also part of one of the largest health insurers, Medibank. AHM offers dental insurance as an Extra cover to your health insurance.

Some services AHM offers you include:

  • Complex Dental services
  • Routine Dental
  • Clean and Polish
  • X-ray
  • Tooth Examination
  • Endodontics
  • Periodontics

And some Major Dental services:

  • Veneers
  • Bridgework
  • Crowns
  • Implants and Dentures etc…

Feel free to learn more…

#7. Medibank

Medibank is a Big Name in the Health Industry. They are a health company that provides affordable private health insurance and health services to over 3.9 million people in Australia.

You can take advantage of their Members’ Choice Advantage dental network. Here, you will get 100% back on up to two dental check-ups at the plan’s dentist every calendar year, including bitewing x-rays. 2-month waiting period applies.

Source - Medibank - One of the Best Private Dental Insurance in Australia
Source – Medibank – One of the Best Private Dental Insurance in Australia

They also cover all major dental services.

Feel free to explore Medibank.


GMHBA is one of the leading not-for-profit private health insurers that is regionally based in Australia. They have been known to have been offering health insurance ever since 1934.

They currently offer one of the cheapest dental insurance in Australia as they partnered with smile.com.au to make these plans more accessible for their members across Australia.

You can use the button to learn more about them.

#9. NIB

NIB is a health insurance company and they have been offering quality health insurance and services since 1959. Records have it that they have provided health insurance to over 1.5 million Australians as well as New Zealand residents.

NIB offers you:

  • Cosmetic Dentistry and Implants
  • General Dentistry
  • Orthodontics and Many more.

Check this out: Cosmetic Dental Insurance in the UK.

Use the link to learn more about NIB.

 #10. BUPA

This is another great private dental insurer in Australia. They provide very affordable dental insurance plans for their members. Their site is currently unavailable, but you can feel free to reach them in your area.

Frequently Asked Questions

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Important Recommendations


We are sure you believe that there is much to know about Private dental insurance in Australia.

We have provided you with the major private companies that offer dental insurance in Australia. Do well to get a plan for yourself and your loved ones.

If you need more clarification, we are here to answer your questions. We hope to see you soon!

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