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Compare Private Dental Health Limits

Many of us have Private Health Insurance but how many of us are aware that our “Dental Cover” may have sub-limits, limiting the amount we can claim on specific procedures within Preventative, General and Major dental work? Dental Cover is often broken up into smaller areas of cover, and though you may be covered for Preventative, General or Major dental, are you aware of how your provider breaks down those bigger procedures? We have created a table of a few different providers and how they allocate the capping across different levels of cover. Where does your provider sit in the mix?

BUPA
Gold Extras
Service CAP
General Dental Unlimited
Major Dental 1100 per calendar year
Orthodontic 800 per calendar year
Silver Extras
Service CAP
General Dental Unlimited
Major Dental $1,000
Orthodontic $700 with Lifetime limit of $2000
Your Choice Extras
Service CAP
General Dental $700
Major Dental $500
Orthodontic $450 with Lifetime Limit of $1,300
Bronze Extras
Service CAP
General Dental $350 or Membership Limit $700
Major Dental Not Covered
Orthodontic Not Covered

 

AHM
Super Extras
Service CAP
Routine Dental Unlimited
Complex Dental (Periodontics + Endodontics) $1,000
Major Dental $1,100
Orthodotic 900 (lifetime limit applies)
Family Extras
Service CAP
Routine Dental $500
Complex Dental (Periodontics + Endodontics) $600
Major Dental $750
Orthodotic 700 (Lifetime limit applies)
Lifestyle Extras
Service CAP
Routine Dental $500
Complex Dental (Periodontics + Endodontics) $600
Major Dental $750
Orthodotic 600 (Lifetime limit applies)
Basic Extras
Service CAP
Routine Dental $500
Complex Dental (Periodontics + Endodontics) Not Covered
Major Dental Not Covered
Orthodotic Not Covered

 

NIB
Top Extras
Service CAP
Prevenative Dental No Limit
General Dental $1,000
Major Dental $1,300
Orthodontic $800
Wellbeing + Core Extras
Service CAP
Prevenative Dental No Limit
General Dental $600
Major Dental $600
Orthodontic Not Covered
Core Plus Extras
Service CAP
Prevenative Dental No Limit
General Dental $700
Major Dental $1,000
Orthodontic Not Covered
Core Extras- Young At Heart
Service CAP
Prevenative Dental No Limit
General Dental $600
Major Dental $600
Orthodontic Not Covered

 

HCF
Platinum Extras
Service CAP
General Dental Unlimited with Max 2 check ups, 2 scale & clean, 1 fluoride treatment per year per person
Major Dental $900
Orthodontic $800 ($400 for other dentists) Lifetime limit $2,400 or $1,200 for other dentists
Gold Extras
Service CAP
General Dental Unlimited with Max 2 check ups, 2 scale & clean, 1 fluoride treatment per year per person
Major Dental $600
Orthodontic $700 ($350 for other dentists) Lifetime limit $2,100 or $1,050 for other dentists
Silver Plus Extras
Service CAP
General Dental $500 pp inc Max 2 check ups, 2 scale & clean, 1 fluoride treatment per year per person
Major Dental Not Covered
Orthodontic Not Covered
Bronze Plus Extras
Service CAP
Combined General and Major Dental $400 pp $800 per policy. (Major Dental = Fillings only)
Orthodontic Not Covered
Bronze Extras
Service CAP
Combined General and Major Dental $350 pp $700 per policy inc Max 1 check up, 1 scale & clean and 1 flouride treatment (Major Dental = Fillings only
Orthodontic Not Covered

 

Australian Unity
Platinum 80%
Service CAP
Preventative Dental No Yearly Limit
General Dental $1,000
Major Dental $500
Crowns, bridges and dentures $800
Orthodontic $800 with Lifetime max of $2,400
Comprehensive Extras
Service CAP
Preventative Dental $800
Combined General, Preventative and Major Dental $800
Orthodontic Included in Combined General, Preventative and Major Dental
Bronze Extras
Service CAP
Combined Preventative and General Dental $600 ($300 sub-limit for crowns, bridges and dentures)
Crowns, bridges and dentures Above
Orthodontic Not Covered
Starter 60%
Service CAP
Combined Preventative and General Dental $600
Crowns, bridges and dentures $500
Orthodontic $500
Basic Extras
Service CAP
Combined Preventative and General Dental $350
Crowns, bridges and dentures Not Covered
Orthodontic Not Covered

 

Medibank
Top Extras 55% Back
Service CAP
Combined General and Prevantative Dental $800
Major Dental $500
Orthodontic $400 with lifetime limit of $1,200
Top Extras 70% Back
Service CAP
Combined General and Prevantative Dental No Annual Limit
Major Dental $1,000
Orthodontic $800
Top Extras 85% Back
Service CAP
Combined General and Prevantative Dental No Annual Limit
Major Dental $1,200
Orthodontic $1,000
Basic Extras 70% Back
Service CAP
Combined General and Prevantative Dental $750 (inc surgical removal of wisdome teeth)
Major Dental Not Covered
Orthodontic Not Covered

 

 

 

 

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