Health insurance explained

This depends on what level of cover you want for your kids.

Depending on the state or territory you live in, your kids may be eligible for free general dental care. This will typically cover treatments such as check-ups, dental cleaning, fillings and x-rays.

While dental treatments like crowns, endodontic treatment or braces are generally not covered under these programs, we always recommend you first check what services are available from the dental programs near you. If your state or territory doesn't provide these services to kids for free, you may wish to purchase extras insurance to avoid having to fully cover these costs out of your own pocket.

To learn more about Government-funded kids dental care and what's covered by your state or territory's programs, visit the Department of Health's website.

This will depend on where the surgical tooth extraction is taking place.

Surgical dental extractions at a dental practice

If your extraction is taking place at a dental practice, you will need extras cover with general restorative dental included to be able to claim benefits for the procedure.

Surgical dental extractions at a hospital

If your extraction takes place at a hospital, you will need to have hospital cover with Dental surgery included in order to claim benefits for accommodation and theatre fees.

If you've already received a treatment plan from your dental provider - including all the relevant dental item numbers — you can give us a call on 133 423 to complete a benefit quote. We'll be able to tell you exactly what benefits you are entitled to.

This will depend on where the wisdom teeth surgery is taking place.

Wisdom teeth surgery in a private hospital

If you’d like to go to a private hospital to have your wisdom teeth removed, you’ll need:

• hospital cover that includes Dental surgery and;
• extras cover that includes general restorative dental

The reason you’ll need both hospital and extras cover is because hospital cover will help cover the cost of your hospital stay (like your accommodation and theatre fees), while extras cover will help pay for your dental surgeon’s fees.

Wisdom teeth surgery in a dental practice

If your wisdom teeth extraction takes place in a dental practice, you’ll need general restorative dental included in your cover to be able to claim benefits for the procedure.

General dental is a category of dental treatment that focuses on minor dental services. It consists of two sub-categories:

• Preventative Dental for treatments like scale and cleans and check-ups, and
• General Restorative Dental for treatments like simple fillings and extractions.

Major Dental is a category of dental treatment that focuses on complicated services such as root canals, crowns and bridges.

Learn more about dental