What is covered by AAMI Health Insurance’s Dental Insurance?


From the most basic AAMI Health Insurance cover to the most premium cover, we include both Preventative and General dentistry. But depending on your needs, budget, and life stage, the cover you need might include more specialist dental treatments, like braces, surgery, or dentures. To help you sort out what procedures and treatments you want dental cover for, we’ve put together this breakdown of AAMI Health Insurance’s Dental Insurance coverage.

Preventative Dental

Preventative treatment helps you maintain your oral health by regularly checking up on what’s happening in your mouth. AAMI Health Insurance includes Preventative Dental health insurance in all our policies. You’ll be covered for services such as:

  • Check-ups
  • Cleaning and scaling
  • Fluoride treatment.

The annual Preventative Dental limit amount you can claim per calendar year varies. But if you have AAMI Health Insurance Starter Boost Extras, Everyday Active Extras, or Premium Active Extras, you have an unlimited annual limit for Preventative Dental treatments.

General Dental

During a check-up, your dentist may recommend a simple and effective treatment that’s intended to investigate or get your dental health back on track. This kind of dentistry includes diagnostic and other preventative procedures (not covered by Preventative Dental) that tackle oral health concerns before they get too big. These procedures can include:

  • Fillings
  • X-rays
  • Basic tooth removal (excluding wisdom teeth).

At AAMI Health Insurance, we know you mightn’t expect extra treatment, that’s why we include diagnostic and other preventative procedures under General Dental in all our polices. The annual General Dental limit on your AAMI Health Insurance varies between our policies. To help you pick the right dental cover that meets your needs and budget, check out the AAMI Health Insurance comparison guide.

Major Dental

Major Dental covers complex dentistry procedures that Preventative and General Dental do not cover. These procedures can include:

  • Protecting teeth with crowns and bridges
  • Root canal therapy
  • Removing wisdom teeth
  • Having dentures made and fitted
  • Getting implants for missing or broken teeth.

Major Dental is covered under AAMI Health Insurance Starter Boost Extras, Everyday Active Extras, and Premium Active Extras polices. The annual limit varies between our policies. You can see how our dental insurance Extras stack up against each other by using the AAMI Health Insurance comparison guide.


Orthodontia is a form of specialty dentistry that focuses on realigning teeth and bites. It usually means having to visit an orthodontist for long-term treatments that can include:

  • Braces
  • Plates.

AAMI Health Insurance Extras cover Orthodontia under our Everyday Active Extras and Premium Active Extras polices. The annual limit varies between these policies. Compare what Orthodontia cover you need by using the AAMI Health Insurance comparison guide – this way you’ll know your pearly whites will always be cared for in the way that you need.

With a lot of options on your plate, it can get confusing to know what to sink your teeth into. If you have any questions about AAMI’s Dental Health Insurance, call one of our friendly AAMI team on 13 22 44 (MON to FRI – 8.00am - 8:00pm AEST/AEDT, SAT – 9:00am – 1:00pm AEST/AEDT).

AAMI Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib. Information provided is general advice only and has been prepared without taking into account any person’s particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.aami.com.au and consider whether it’s appropriate for you before making any decisions about whether to buy or continue to hold a product. Information current as of 9 July 2015.