Best Approach for a Dental Cover
Last edited 15/11/2019 - 13:06
I just enquired with Bupa about adding a dental cover (I had extras removed from my cover for quite some time) to my existing hospital cover with them. With increase of approx $45-50 in my family's total monthly premium, all I get in return is a general dental cover with $350 annual limit per person and maximum only 60% back when you make any claim. Needless to say, this annual limit doesn't make any sense; this level covers only basics (i.e. cleaning, filling) and you won't get back more than 60% of your spend back in any circumstances.
Please note that I am referring to the basic extras cover - anything above is far more expensive in terms of premium (for what it offers) and not even worth discussing here. I've checked with other insurance companies and their covers are very comparable. This keeps me wondering if there's no better way to get more effective and reasonably priced dental cover in Australia? Annual limits and cashback limits are so low (leave aside waiting period), that the incremental premium just doesn't seem to make any sense. There definitely needs to be some sensible provider for dental in the market, else it's so easy to be out-of-pocket by a few thousand $$ while still having a so called 'dental cover' and paying a significant 'extra' premium for it. Any good suggestions or thoughts?