Best Dental Insurance in Australia
Dental issues have become a problem world over and Australia is no different. It is estimated that 3 out of 10 adults in the country face untreated tooth decay, 1 out of 4 have had a tooth extraction and 2 out of 3 Aussies need tooth filling during their last trip to their dentist.
With treatment prices heading north with every passing year, health insurance and especially dental insurance has become prime necessity for everybody.
There are government hospitals and health care professionals to take care but even then, huge sums are still spent on preventive tests, small dental checkups and small dental work for which you don’t prefer to go to a hospital. Instead, you go to specialists who charge exorbitantly. It is here that you need to assess as to what amount you are ready to pay from your pocket or you wish to get covered by an insurance company that will pay on your behalf.
In Australia, there is nothing like dental insurance cover, but you can get private health insurance cover to take care of your teeth.
Types of insurance cover
There are basically two types of insurance cover for dental works.
- General dental insurance
This type of cover will usually take care of preventive checkups and services like x ray, tooth fillings etc.
- Major dental insurance
Major dental insurance cover is required for treatments that are expensive and usually have a waiting period ranging from 12 months to 2 years like wisdom tooth extraction, bridge making, orthodontic treatment and many more.
How much do I pay for dental insurance policy?
There is no fixed amount for an insurance policy. Every person has different needs and most policies are custom made after assessing the needs of the customer. Therefore, before you buy a dental insurance policy, it will be good for you to assess your needs for dental treatment in future.
In case, you are alone having good teeth and you believe that you will not require any major treatment in near future, you can opt for extras in your health insurance which will cover almost all the general dental services, while if you are a sportsman or have a family of 3-4 people, it may be a good decision to opt for a major insurance policy.
Here again, there are insurance policies that give you fixed percentage and some that have fixed limit. It is you who has to decide whether you are going to take a fixed limit or a fixed percentage of the total expenditure involved.
Can I not have 100% insurance cover?
Insurance companies cover 100% of only the preventive testing, the fee and payments for minor dental work like plaque removal, teeth cleaning or teeth removal but cover only a certain percentage of major dental treatments.
Which are the best health insurance / dental insurance company?
If you are looking for the best dental insurance company, you can check out with iSelect. Here you can compare the available options and then take a decision.