10 Cheapest Dental Insurance in Australia

10+ Cheapest Dental Insurance in Australia for Everyone – 2022

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Tooth Decay has affected almost 50% of Australian Children around the age of 12. Many People want to know the Cheapest Dental Insurance in Australia so they can live healthy with their loved ones.

Not just that! Every year, Adults in the Workforce lose over 3 million Paid Work hours or study hours because of dental health problems.

Therefore, We at Get Immunified chose to go into a series of in-depth research in Australia to provide you with The 10 Cheapest Dental Insurance in Australia!

In this article, I’ll briefly show you a lot about Dental Insurance in Australia and some of the quality and affordable plans from Insurance providers so you can check them and know if they are really worth it. 

We are sure you will get value from this very current and helpful information in this article. So feel free to use the Table of Content to easily reach your intent of visiting us.

Let’s Go!

The 10 Cheapest Dental Insurance in Australia for Everyone

Below is an Overview of the Cheapest Dental Insurance in Australia for Everyone. Read on to get current and helpful information about them.

#1. Smile.com.au

Like they always say, “We created a New Era in Dental Cover.” One of the exciting things we learned about Smile.com.au is that They took a challenge to offer residents of Australia a very affordable, If not one, of the cheapest dental insurance covers.

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They started in Brisbane with just a few dentists, but now, they are in every state and territory of Australia. Smile has over One million members enjoying their cover.

Smile.com.au prices their dental cover at $79 per year so everyone can afford a proud and healthy smile. See this screenshot from their site.

One of the Cheapest Dental Insurance in Australia - Smile
One of the Cheapest Dental Insurance in Australia – Smile

The people of Australia are so in love with them because there are;

  • No Waiting
  • No Exclusions
  • No Limits
  • No Increase in Annual Fees
  • No Confusion during claims

So like I said earlier, They believe they are birthing a new era of Dental Cover. Visit them using the link and get to know more about them.

#2. Health Insurance Fund of Australia

HIF is a Member focused Health Insurance Organisation that has been providing quality health plans and friendly personalized service for over 67 years. Their corporate office is located at 100 Stirling Street, Perth, Western Australia 6000.

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They are proudly registered under the Australian Federal Regulator, Australian Prudential Regulatory Authority, APRA as an Open Access Not-for-Profit Private Health Insurer. They don’t offer Gap Benefits.

In HIF, The Annual Cost per person for a Basic cover is $400.

As a resident of Australia looking for an affordable dental plan, click the button to learn more about them HIF and get your dental plan.

#3. HBF Dental

HBF Dental is part of the HBF Group, One of the Largest Health Insurance providers in Western Australia. HBF Dental is a not-for-profit dental health insurer which is proudly providing dental assistance in several locations;

  • Joondalup
  • Morley
  • Karrinyup
  • Mandurah
  • Bull Creek
  • Cannington
  • Belmont Forum

It will also interest you to know that Pacific Smile Group is one of the Exclusive Operators of HBF dental. As a result, they provide one of the Cheapest Dental Insurance in Australia.

If you are Single in WA, You can get Dental Insurance with Basic Extras from HBF dental for as low as $16 Per month.

Click on the button to learn more about HBF Dental.

#4. AHM

Ahm has been in the health Insurance Industry for over 40 years. They are known across Australia for their slang; for providing No-nonsense Dental Insurance.

They have won the trust of so many residents of Australia, yet delivered quality over time, as they are proudly backed up by Medibank, one of Australia’s Largest Health Insurers.

They offer one of the best general dental insurance plans (Ahm Choosable 50 – Teeth), which costs $12.48 per month.

Use the button below to learn more about Ahm.

#5. Allianz Care

Allianz Care is popularly known for that belief: Prevention over cure, Care over claims…

They provide dental insurance coverage through their Overseas Student Health Cover (OSHC) extras at very affordable rates.

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They are proudly part of the Allianz Group, which offers a wide range of Insurance & Risk Management services in over 70 countries with over 100 Million customers.

Allianz Care offers Basic services, including tooth restoration, diagnostic services, extraction and oral surgeries, for about $500 per year.

Feel free to check them out.

#6. Bupa Dental Insurance

Bupa Dental estimated that 90% of Dental issues occur due to Gum Diseases and decay, which can be prevented. So now, this is part of the focus.

They provide dental insurance coverage and various preventive measures to keep you safe at all times; as they always say, oral health is one of the cornerstones of overall health.

All practices by Bupa Dental are accredited by the Standards of the National Safety and Quality Health Service (NSQHS). They also use the best Dental Technologies to satisfy their insured and customers.

For General Dental services, Bupa Dental costs $14.44 per month, and this includes 50% back on all included Extra up to annual limits.

Click the button to learn about Bupa Dental

#7. Dental Solutions Kalgoorlie

Dental Solution Kalgoorlie is another affordable dental insurance provider in Australia. They have well-trained dental professionals with qualifications from Indigenous Australian Universities.

You may want to know that their dentist met and exceeded the continuing Professional Development Requirements set by the Prestigious Dental Board of Australia’s registration standard.

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The good thing is that they allow their patients to receive maximum Discounts or rebates for their chosen dental fund for as high as 80% to 90% of the total cost. They were formerly known as GMF dental.

Feel free to check them out.

#8. NIB

NIB is a Health Insurance partner and provider that have provided health and all forms of Dental Insurance policies to over 185,000 International students, workers and other people in Australia.

They have many centres in Australia, including;

  • Sydney
  • Wollongong
  • Brisbane
  • Melbourne
  • Canberra
  • and seven other regional centres in New South Wales

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NIB dental plan is one of the cheapest dental Insurance plans in Australia as it is structured in such a way that it can provide you about 60% to 75% back on your visits to them. This means that for a $150 visit, you could get $80 to $95 back.

Their annual limits ranged from Unlimited to over $1000 for Major dental coverage.

Know more about NIB

#9. Pacific Smile Dental

One of the Cheapest Dental Insurance in Australia - Pacific Smile Dental
One of the Cheapest Dental Insurance in Australia – Pacific Smile Dental

They are popularly known as the Australian Local Dentist. They have centres at various locations, including;

  • Australian Capital Territory
  • New South Wales
  • Queensland
  • Victoria

They offer dental services, including Teledentistry, Dentures, Implants, and many more.

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The dental fees at Pacific Smile Dental are very affordable. Most of their services are provided by Employees and Independent Dental practitioners, so your prices will depend reasonably on your needs.

Use the button to visit and learn more about them.

#10. GMHBA

GMHBA is a known Australian Not-for-profit health insurance company that offers quality dental insurance services to the residents of Australia.

They have over 85 years of experience in dental health matters, qualifying them as one of the leading regionally-based health insurance firms in Australia. Statistics hold that GMHBA has provided coverage for over 370,000 Australians.

GMHBA, you can locate GMHBA at Geelong. They provide you with dental services at a very affordable rate.

GMHBA is part of the Australian Government’s Child Dental Benefits Schedule (CDBS). Here they will provide access to up to $1026 in benefits for Dental services over two consecutive calendar years. That is a massive one; Do well to take advantage of this opportunity for your children.

Visit their page to learn more using this button.

Overview of Dental Health in Australia

We recommend that a good percentage of indigenous Australians should regularly access dental health services. 

However, we observed that even when some people visit a dentist, it will be to solve a tooth problem rather than for routine check-ups.

True, there can be several reasons people delay going to the dentist, infact according to Dental health statistics;

  • 3 out of 10 people avoid seeing a dentist because of cost.
  • 1 out of 4 children between the age of 5-10 have Untreated decay in their baby teeth

Factors that have contributed to Poor Oral Health in Australia

  1. Regular Consumption of Sugar, Alcohol and Tobacco
  2. Lack of Good Oral hygiene
  3. Irregular Dental Check-Ups
  4. Lack of Water Fluoridation in some water supplies
  5. A Few Affordable Dental Care and Insurance services
  6. Very Long waiting periods for Public Dental Care.

We hope the Australian Department of Dental Health looks into this issue.

No doubt, Oral health in Australia has improved over the last decade. One of the actions that preceded this change was adding Fluoride to drinking water. This single act has helped reduce the Tooth Decay rate among children and Adults.

Frequently Asked Questions

Are there waiting periods with Smile.com.au?

No. There are no waitings, exclusions and limits.

How does adding Fluoride to drinking water improve dental health?

Adding Fluoride to drinking water has helped in reducing Tooth decay. Feel free to visit NMHRC 2017 Publications for more information on how it works.

Does GMHBA host the Australian Government's Child Dental Benefits Schedule?

No, CDBS is an Australian Government Program. It is being hosted by the Australian Government.

Important Recommendations

  1. Employee Supplemental Life Insurance
  2. Child Supplemental Life Insurance
  3. Towergate Care Home Insurance


Do well to visit the Dental Insurance Providers we listed for you and stay healthy.

We hope you got value. You can drop your comments.

We at Get Immunified are dedicated to providing all information you’ll need on Insurance matters.

Thank you so much for reading through!

Once again, We all at Get Immunified are so proud of you. Remember to stay Immunified.

Warm Regards.

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