Health Insurance for Crowns, Veneers and Dentures

Save money & avoid extra taxes — get health insurance for major dental work that’s right for you.
Major dental covers non-routine procedures, like crowns, veneers, root canals and dentures
Major dental generally comes with a 6 to 12-month waiting period before you can claim.
Under the no gap scheme, health funds cover out-of-pocket expenses for specific preventive treatments.
Major dental covers non-routine procedures, like crowns, veneers, root canals and dentures
Major dental generally comes with a 6 to 12-month waiting period before you can claim.
Under the no gap scheme, health funds cover out-of-pocket expenses for specific preventive treatments.


If you're looking to upgrade your dental aesthetics with crowns, veneers, or dentures and unlock your best smile, major dental insurance is essential. Major dental treatments go beyond routine fillings and extractions (typically covered under general dental). Instead, major dental encompasses procedures like root canal therapy, crown placements, and dental implants.

These transformative treatments not only address oral health concerns but also enhance the appearance of your smile. However, they can be very costly procedures without the right insurance cover. In this guide, we'll walk you through the essential steps of selecting the right health insurance provider to ensure comprehensive coverage for your major dental needs.

Whether you're dealing with weakened teeth, chipped enamel, discolouration, or tooth loss, we'll help you navigate the world of major dental insurance to find the right cover for you.


The level of cover you need for crowns, veneers, and dentures can vary depending on your specific dental needs and preferences. Generally, these treatments fall under major dental procedures, which often require higher levels of dental cover for comprehensive coverage.

To ensure coverage for crowns, veneers, and dentures, it is recommended to consider a dental insurance plan that specifically includes major dental procedures. These plans typically offer a broader range of benefits and higher benefit limits to help offset the costs associated with these treatments.

It's important to review the policy details, including waiting periods, annual limits, and any applicable exclusions or restrictions related to major dental procedures. Additionally, some insurers may have preferred providers or networks where you can receive additional benefits or discounted rates for these treatments.

To determine the appropriate level of cover, consider factors such as your oral health history, the condition of your teeth, and any ongoing dental needs. Consulting with your insurer or a dental professional can provide valuable guidance in selecting a dental insurance plan that best suits your specific requirements for crowns, veneers, and dentures.



General dental usually helps pay for preventative treatments like:
  • Oral exams
  • Scale and cleans
  • Simple fillings
  • Fluoride treatments
  • X-rays
  • Tooth extractions (can be General Dental or Major Dental, depending on your policy provider).


Major dental generally covers more complex treatments like
  • Tooth extraction
  • Wisdom teeth removal (can be General Dental or Major Dental, depending on the policy you’re on). Wisdom teeth removal can be done in a hospital and so may require private hospital insurance.
  • Complex fillings
  • Crowns and bridges
  • Veneers
  • Dentures


Endodontics involves the treatment of the soft tissue within teeth, such as performing root canal therapy to address cracked teeth and remove inflamed tissue. You can learn more about endodontics here.

Orthodontic treatment involves the correction of teeth and jaws that are misaligned. This typically involves the use of braces or Invisalign to achieve the desired positioning. It's important to note that orthodontic coverage is generally included in higher-level insurance plans, but it often comes with longer waiting periods. You can find more information about orthodontic treatment here.

Depending on the specific level of coverage you have, access to these treatments and services may vary. More intricate dental procedures, such as orthodontic or endodontic treatments, are typically covered under higher-level extras policies.

It's also worth remembering that what is typically categorized as major dental coverage in one fund might fall under general dental coverage in another, and vice versa.

So, always review the details of your insurance policy to understand the extent of your coverage and which specific treatments are included.


As an adult, Medicare only covers the cost of dental treatment when it’s essential to protect your general health. The public health system may also cover the cost of dental work if it’s part of a Medicare approved treatment. For example, if dental treatment is required prior to radiation for oral cancer.

Medicare may also cover the costs if you require hospitalization following a dental-related procedure. For example, if you need to be admitted for treatment of an infection that developed after having a wisdom tooth extracted.

Typically, Medicare will not pay for any follow-up dental treatment required once the general health condition has been resolved. The fees for specialists not related to the treated condition are also not covered.


The level of major dental cover and the insurance fund you choose will determine 3 important factors:

  1. Your out-of-pocket expenses
  2. The limits of your cover
  3. When you can claim

When it comes to health insurance for major dental, it's important to be aware of how your insurer and Medicare cover different procedures.

While some treatments may be fully covered, others may require you to pay a portion of the cost out of pocket, known as a medical gap. To avoid any surprises, it's recommended to check with your potential insurance provider about their gap cover arrangements and any excesses that may apply.


Keep in mind that major dental insurance policies often have limits on how much you can claim for certain treatments. Some policies may have no limits for preventive dental check-ups, while others may impose annual limits. For more expensive treatments like orthodontics, there may be a lifetime limit. Choosing a policy with higher annual limits can help you save on premiums and get more coverage.


It's important to note that extras policies typically have waiting periods set by the insurer.

These waiting periods prevent individuals from taking out insurance right before undergoing expensive procedures like root canals or braces. Waiting periods for major dental treatments can range from 6 to 12 months, depending on your insurer and the type of treatment.

However, for general dental, the waiting period can be as short as 2 months. In some cases, the waiting period for minor treatments like preventive check-ups may be waived entirely.


Health funds recognize the significance of preventive dental care and its positive impact on both your oral health and their financial stability. That's why many funds offer a "no gap" dental cover option as an incentive for you to prioritize your dental well-being, reducing the likelihood of costly treatments in the future.

Under the no gap scheme, your health fund covers any out-of-pocket expenses you may incur after undergoing specific preventive treatments. These treatments are specifically aimed at preventing the development of more serious dental issues down the line. By covering the costs associated with these preventive measures, health funds encourage individuals to proactively address their oral health needs and avoid potential complications.

To take advantage of the gap-free dental option, it is essential to receive treatment from a dentist who is affiliated with your insurer. This ensures that the services rendered align with the coverage provided, allowing you to enjoy the benefits of reduced costs without compromising on the quality of care.


When it comes to finding the perfect dental cover for you and your family, it's crucial to take various factors into account. Making an informed decision ensures that your dental insurance plan aligns with your specific needs and avoids wasting your hard-earned money. Here are some key factors to consider when comparing dental policies:


As we age, our dental health may require more attention. Major dental cover becomes popular among those entering their golden years to address potential age-related oral health issues.


Dental care for children, especially orthodontic treatments like braces, can be costly. Having dental cover in place can provide financial relief, particularly for families with multiple children.


Assessing your current and past dental health, as well as considering family dental history, can help determine the level of cover that will benefit you the most. For example, if there is a history of crooked teeth, dental insurance for orthodontic treatments like braces may be a priority.


While the idea of accessing affordable dental treatments indefinitely sounds appealing, most funds impose annual limits on the amount you can claim. Understanding these limits is important to manage your expectations and budget accordingly.


Each health fund sets waiting periods for major dental care and other extras. These waiting periods vary, so it's important to be aware of the specific time frame before you can make a claim. General dental treatments typically have a shorter waiting period of around two months, while dental insurance for orthodontics may have a waiting period of 12 months. Keep an eye out for promotions offering general and major dental insurance with no waiting period.


Depending on the dental procedure required, you may find there are expenses you’ll need to pay that are beyond your health insurance benefit. Asking the fund about potential out-of-pocket expenses can save you the surprise of incurring unexpected costs.

Find Your Perfect Health Insurance Policy for Crowns, Veneers & Dentures

Our comparison tool makes comparing health insurance a breeze! All you need to do is determine the level of major dental cover you require, and within a few minutes, you'll have access to a wide range of options suitable for singles, couples, or families. It's a quick and convenient way to find the dental cover that best meets your needs.


Are major dental procedures covered under Australian health cover?

Yes, major dental procedures can be covered under certain Australian health cover plans. It's important to review your specific policy to determine the extent of coverage for major dental treatments.

What are the typical waiting periods for major dental procedures in Australia?

Waiting periods for major dental procedures can vary depending on the health fund and policy you have. Typical waiting periods can range from one to three months, but it's best to check with your insurer for specific details.

Will health cover provide rebates for major dental procedures?

Yes, health cover may provide rebates for major dental procedures, reducing your out-of-pocket costs. The amount of rebate depends on the level of coverage and the specific policy you have.

Can major dental procedures be considered cosmetic dentistry?

Major dental procedures can include both necessary treatments and cosmetic dentistry. While certain cosmetic dental procedures may be covered under health cover, it's important to confirm the specific coverage for cosmetic treatments with your insurer.

Are pre-existing conditions covered for major dental procedures?

Coverage for pre-existing conditions related to major dental procedures can vary. Some health covers may impose waiting periods or exclude coverage for pre-existing conditions. It's crucial to review the policy details and consult with your insurer to understand the coverage for pre-existing conditions.