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Dental Insurance Guide

Dental insurance | Definitions

Dental insurance definitions

On this site the policies use the following definitions:

Routine Treatment - treatment performed by a registered dental surgeon on hygienist in a dentist's chair.

Dental Emergencies - any incident of acute pain, swelling or haemorrhaging.

Dental Injuries (accidental) - Any dental treatment following a dental injury. In- and out-patient treatment for specialist consultations, surgeons fees, anaesthetists fees, hospital charges, follow up treatment from a dentist. Injuries will be covered from the result of oral impact (an external blow to the face, teeth or jaws).

Serious Dental Problems - Any dental treatment following a dental injury. In- and out-patient treatment for specialist consultations, surgeons fees, anaesthetists fees, hospital charges, follow up treatment from a dentist. Only one insurer will cover serious dental problems and these are:

  • Treatment of fractures of the jaws and facial skeleton
  • Treatment of oral cancer
  • Reconstructive surgery including plastic surgery following a dental injury or oral cancer
  • Treatment of cyst, ondotome or tumour of the mouth or jaw
  • Treatment of conditions of the salivary glands
  • Surgical removal of roots
  • Treatment of serious dental abscess
  • Treatment of chronic periapical infection
  • Surgery to temporomandibular joint.


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