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Dental Insurance

The health of your teeth and gums is vital to your overall health and wellbeing.

A healthy mouth enables you to eat the nutritious foods you need and prevents gum disease, which is said to increase the risk of heart disease and premature births, for example.

Also, oral disease can serve as an early warning system, alerting you to more serious diseases elsewhere in your body, such as diabetes and osteoporosis.

Which is why all of Budget Direct’s health insurance packages include dental cover – ranging from preventative dental care like scaling, cleaning and fluoride treatments to major dental work like orthodontics. You can also choose any AHPRA-registered dentist you like.

What’s covered

Singles, couples and families can get dental insurance as part of either a Budget Direct hospital and extras package or – if you already have or don’t want hospital cover – one of our extras covers.

The following tables shows you the dental benefits we offer, including the percentage of the dentist’s consultation or treatment fee we’ll pay; and the maximum total amount you can claim each year:

Hospital & extras packages
Service Waiting Period We'll pay... Annual Limit (per person)
Starter Package
General and preventative dental 2 months 50% $750*
Periodontics
Endodontics 12 months
Starter Package Plus
General and preventative dental 2 months 60% $1,000*
Periodontics
Endodontics 12 months
New Family Package
General and preventative dental 2 months 60% $700
Major dental 12 months $600
Orthodontics $400 (Years 1 – 3); $500 (Year 4); $700 (Years 6+)†
Family Value Package
General and preventative dental 2 months 60% $700
Major dental 12 months $600
Orthodontics $400 (Years 1 – 3); $500 (Year 4); $700 (Years 6+)†
Starter Package Plus
General and preventative dental 2 months 60% Unlimited
Major dental 12 months $1,000
Orthodontics $800 (Years 1 – 3); $850 (Year 4); $950 (Year 5); $1,000 (Year 6); $1,050 (Year 7);
$1,100 (Year 8); $1,150 (Year 9); $1,200 (Year 10)‡
Starter Package Plus
General and preventative dental 2 months 60% $1,000
Major dental 12 months $1,000
Orthodontics - -

*This limit includes not only dental, but also other services like physiotherapy and chiropractic.
† Lifetime limit of $2,000
‡ Lifetime limit of $2,500

Extras cover
Service Waiting period We’ll pay... Singles yearly limit Couples/family annual limit
Basic Extras Cover
Dental — TOTAL     $500 $500 per person (max $1,000 per family)
General dental 2 months 55% or 85%    
Preventative dental — sub limit (e.g. check-ups, scale and clean)     $250 $250 per person (max $500 per family)
Major dental 12 months 55% or 85%    
Orthodontic — sub limit (e.g. braces)     $300 $300 per person
Crown and bridgework — sub limit     $225 per crown/bridge $450 per person $225 per crown/bridge $450 per person
Indirect restorations — sub limit (these occur outside the mouth, e.g. a filling modelled on a plaster cast)     $350 $350 per person (max $700 per family)
Implants — sub limit (e.g. a false tooth permanently inserted into your gum)     $400 $400 per person
Top Extras Cover
Dental — TOTAL     $2,000 $2,000 per person (max $4,000 per family)
General dental 2 months 55% or 85%    
Preventative dental — sub limit (e.g. check-ups, scale and clean)     $500 $500 per person (max $1,000 per family)
Major dental 12 months 55% or 85%    
Orthodontic — sub limit (e.g. braces)     $450 1-3 years: $700 per person
4 years: $800 per person
5+ years: $900 per person
Lifetime limit: $2,900 per person
Crown and bridgework     $600 per person $600 per person
Indirect restorations — sub limit (these occur outside the mouth, e.g. a filling modelled on a plaster cast)     $400 $400 per person (max $700 per family)
Implants — sub limit (e.g. a false tooth permanently inserted into your gum)     $400 $400 per person

Find out more

The information on this page is a summary only. For more information about Budget Direct dental insurance, including the terms, conditions, limits and exclusions that apply, please read the member guide.

Get a quote

If you’re looking for hospital and/or extras cover than includes insurance for dental services, including orthodontics, look no further than Budget Direct.

Get a Quote

How to make a claim

To make a claim, have your membership card swiped through your dentist’s electronic claims terminal.

After your claim has been accepted, we’ll pay between 50% and 85% of your dental fee, depending on your level of cover; you then pay the difference (the ‘gap’).

If your claim relates to orthodontic treatment, you’ll have to mail us a completed claim form

Make a claim on your dental insurance

Frequently asked questions

Can’t I get access to publicly funded dental services?

It varies from state to state, however if you have a child below a certain age or have a pensioner, seniors or health care concession card, you may be eligible for publicly funded dental care. If you are not eligible, you’ll have to pay for treatment by a private dentist; private dental insurance can reduce your out-of-pocket expenses.

What’s the ‘waiting period’?

The waiting period is the amount of time you would have to wait before you could start claiming for dental consultations and treatments. If you already have Budget Direct health cover or are switching to us from another health insurer, you may not have to serve the full waiting period, if at all. It will depend on what treatments you were covered for and how long you’ve already waited. Call us on 1800 234 004 to confirm what your waiting period will be.

Does Budget Direct have a list of participating dentists?

No – you can visit the dentist of your choice, provided they are registered with the Australian Health Practitioner Regulation Agency

With standalone extras cover, I can opt to get back either 55% or 85% of my dental fees– which percentage should I choose?

If you have good oral health and anticipate making relatively few claims for dental treatment, you may decide to opt for the higher percentage, especially if your benefit amounts are unlikely to exceed the yearly limit. Please note, however, that the higher percentage will attract a higher premium – before making a decision, consider your scenario and weigh up which option would give you the best value for money.

What is not covered?

There are some situations or circumstances we do not cover – these are called ‘exclusions’. For example, we will not cover:

  • dental work carried out by someone other than an advanced dental technician (check with your provider to make sure they are insurance-approved)
  • some dental procedures performed on the same day (e.g. if you have a tooth filled and then removed, we won’t pay for the filling)
  • dental consultations or treatments that exceed the maximum limit (e.g. more than three check-ups per person per calendar year)
  • procedures by dentists who do not supply tooth identifications.

We recommend you contact us before receiving dental treatment – so you can be confident you’re covered.

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