Best Dental Insurance

Updated: 21 November 2013

Dental Insurance Australia

Do I need to get Insured?

Dental is the most widely used extra in health insurance cover more than optometry and other benefits. It is imperative to get insured with a dental insurance as early as possible to minimise the expensive dental fees. Compare various dental insurance and how much you can save.

In Dental Insurance, a person needs to sign a "policy" that will give dental insurance or dental cover as long as the individual is regularly paying his periodic premiums. An insurance premium can be paid in a monthly, quarterly, or annual basis depending on the agreement of the dental insurancecompany or provider and the policy holder. Covered Dental services may include complete or partial dentures, root canal, teeth whitening, dental implants, and other services. Annual maximums or annual benefit limits is the major concern on dental insurance policies. Most dental insurance policies usually have caps on the total amount of claims or re-imbursements. Getting claims from dental insurance ay involve paper-work and turn-around time before members get their claims.

How much does it cost?

The cost of dental insurance is not too high. On the average, premiums for a dental insurance policy can cost AU $35/month for a single person and can be up to AU$135+/month for couple with dependents or family coverage. Typically, insured individuals must always meet a deductible amount before their dental insurance company begins to actually cover their dental care expenses. The cost of these deductibles needs to be considered when calculating the overall costs associated with dental insurance. Annual deductibles can vary from $25 to $50 per covered individual person, depending on the dental insurance policy. The benefit from the dental cover will immediately returned to you making the membership fee worth it.

Best Dental Insurance in Australia

What is the best dental insurance in Australia? Families and Individuals with dental insurance often complain about claim form procedures, exclusions on pre-existing conditions and waiting periods for major procedures. Dental Insurance is typically not easy for individuals or families to get unless guided by an insurance consultant or provided by their employing companies. Refer to Dental Health Australia

Smile vs Insurance

Smile is Australia’s first dental plan offering members savings of up to 40% off their dental fees on every treatment, with a guaranteed minimum saving of 15% every time they visit one of Smile’s 950+ approved practices across Australia. Join Smile now from just $77/yr.

Total estimated annual dental fees
The estimated dental fees you spend in a year (e.g. 2500).
Total estimated dental fee reduction*
The total estimated reduction of dental fees from Smile.
Do you have dental insurance?
Do you have dental cover with your current health insurance?
Insurance company rebate
The percentage rebate you get from your insurance company.
Estimate Savings
Total estimated annual dental fees
Total estimated dental fees reduction*
Total fees payable
Minus Insurance rebate
Total out of pocket expense
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
Total estimated annual dental fees
Total estimated dental fees reduction*
Total fees payable
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
That's a Great Saving of
$ 400.00

Compare Smile with Insurance

Since introducing Australia’s first dental plan, many people have asked about the differences with Smile and insurance. There are distinct differences and below is a table to assist your understanding.

How Smile works

The smart way of visiting the dentist.

how smile dental plan work

Health and Extras insurance costs rise again

Health insurance companies have again increased their premiums. The industry average increase is 5.6% which adds an average of $250 a year to a family policy. Medibank Private, BUPA and NIB have increased premiums more than the industry average. Medibank Private has increased its premiums by 6.2 per cent, BUPA has increased its premiums by 5.8 per cent and NIB has increased it premiums by 6.5 per cent.

Smile is glad that the Smile plan remains a lot more affordable than extras insurance. As Smile is not health insurance our members aren’t burdened by any of these extra charges. Additionally members aren’t subject to waiting periods, benefit limits or treatment exclusions so they can save on dental fees at participating dentists on every treatment, every time. For members who also have extras insurance, you can continue to use Smile with your extras insurance to eliminate or reduce your out-of-pocket expenses and to overcome restrictions imposed by your insurance company such as waiting periods, benefit limits, treatment exclusion and pre-existing condition exclusions.

Dental Insurance


We really love the whole concept of Smile. Thanks for making dental care way less painful 'on the pocket' and putting us with dentists who care. Alan Coates
Carindale, QLD
Being a member of Smile for the last two years I have saved lots of money and would not choose any other option for my dental costs. Thank you! Reneta Raeva
Melbourne, VIC

I am a very happy camper. Please keep up the good work. Your service is much needed and much appreciated!
Bob Gilchrist
Cremorne, NSW

Smile is the way to go! The participating dentist was very good and I saved a lot of money.
Robert Mitchell
Coolbellup, WA

The participating dentist was great! And the Smile team were very friendly!
Ben Williams
Salisbury, SA

I only have praise for Smile. I saved way more than my plan fee on the first visit, Thanks!
David Harley
Kaleen, ACT
You guys are unbelievable! I can't believe I found such an amazing answer to my worries about expensive dentistry. I’m a happy member! Monique Prenol
Mooloolaba, QLD
I was sceptical at first of there being a savings on dental services but Smile is true to their word. I got reduced dental fees at a participating dentist. Fiona Darroch
Middle Park, VIC

I just wanted to say that I love Smile and recommend it to all my friends and co-workers!
Danielle Burdon
Sydney, NSW

I have already saved more than my Smile plan fee since I joined!
Chris Parker
Perth, WA

This is a great, inexpensive scheme that allows immediate cover!
Carmel Gregurke
Murray Bridge, SA
I was very impressed with the dentist and the treatment plan. On comparing prices I was astounded, so much so that this cannot be kept a secret. Carmel Gregurke
Ngunnawal, ACT