Dental Cover
Dental Cover is an optional benefit that can be added to some Medical Cover policies to help pay for eligible routine and major dental treatment.
Dental Cover is an optional add-on available with some health insurance policies. It helps reduce the cost of eligible dental treatment by contributing towards expenses that are generally not covered under standard Medical Cover.
Depending on your insurer and the level of cover you choose, Dental Cover may include benefits for routine dental care such as check-ups, examinations, fillings, tooth extractions and preventative treatment. Some policies also provide cover for more extensive procedures, such as crowns, bridges, root canal treatment or dentures, although these benefits often have separate limits or conditions.
Dental Cover usually operates with annual benefit limits, meaning there's a maximum amount your insurer will contribute each policy year. Some treatments may also have waiting periods before you can claim, particularly if you've recently added the benefit to your policy.
Because every insurer offers different levels of dental benefits, it's important to understand exactly what's included, what annual limits apply and whether any exclusions or waiting periods exist before choosing this optional benefit.
Why It Matters
Good oral health is an important part of your overall wellbeing, but dental treatment can be expensive. Adding Dental Cover to your Medical Cover can help make routine care and unexpected dental treatment more affordable, encouraging regular check-ups and helping reduce out-of-pocket costs.
Common Misunderstandings
"Standard Medical Cover automatically includes dental treatment."
Not usually. Dental Cover is often an optional benefit that must be added separately. Most standard Medical Covers DO cover Wisdom teeth extraction when they are impacted and removed by an Oral Surgeon.
"Every dental treatment is covered."
No. The treatments covered, annual limits and exclusions vary between insurers and policies.
"There's no limit on how much I can claim."
Most Dental Cover options have annual benefit limits and may also include limits for specific treatments.
"I can claim for treatment as soon as I add Dental Cover."
Not always. Some insurers apply waiting periods before certain dental benefits become available.
FAQs about Dental Cover
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Depending on the policy, it may help cover eligible check-ups, fillings, extractions and other dental treatments, with some policies also covering major dental work.
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No. It's often an optional benefit that can be added to selected health insurance policies. There are circumstances where oral surgery is covered by medical cover such as for wisdom teeth removal.
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Yes. Most Dental Cover benefits have annual limits, which vary between insurers and policies.
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Some insurers apply waiting periods for certain dental treatments, particularly when the benefit is first added to your policy.
Dental treatment is an important part of maintaining your overall health, and the right insurance can help reduce unexpected costs. If you're considering adding Dental Cover to your Medical Cover or would like to compare your options, talk to a New Vision Financial Services adviser. We'll help you understand what's available and find a health insurance solution that suits your needs and budget.