What’s complex and major dental cover?

Help with the dental bill for things like root canals, oral surgeries, crowns, bridges and implants.

What’s included in complex and major dental?

Have questions? Like what is major dental? Are dental implants covered by health insurance? Can you claim for veneers or a root canal on insurance? If complex and major dental are included in your extras cover, these are some of the things we can help with the bill for (waiting periods and annual limits apply).

Root canal therapy

A dental procedure to replace a tooth’s damaged or infected pulp with a filling.

Jaw injuries or non-tooth related surgery (periodontics)

Treatment of structures surrounding and supporting the teeth, particularly the gums.


Caps permanently bonded over a damaged tooth


Series of caps supported by tooth on either side to replace missing teeth.


Bonded to the front of the teeth to mask any discolouration.


Dental implants to replace missing teeth.

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How does complex and major dental cover work?

Choose your dentist

As long as they're recognised by ahm, we can help with the bill for whoever you like, wherever you like. You can talk with a dentist or dental practice and ask if they’re recognised by ahm, or just use our tool to find the right provider for you.

Find your dentist

Two smiling teeth

Ask your dentist about the costs up-front

It’s always better to know what you’re up for, well before you’re in the chair with a numb mouth. If your dentist doesn’t give it to you, just ask for an estimated cost for the dental work, with the cost and item number for each procedure you’re having. You can then use those item numbers to tally up the amount we’ll be able to help with the bill (for included services, up to your annual limit). Waiting periods apply. 

See what you’ll get back

Paper and money exchanged by two hands

What about dental surgeries?

It’s a little confusing, but essentially you’d need both hospital and extras to get the max amount of help with dental surgery bills in a private hospital. If your teeth require a visit to hospital – think wisdom teeth removal, or dental implant surgery – then we can help with your hospital bills if you have dental surgery included on your hospital cover, and we can help with any of the related dentist’s bills in you have that service included in your extras. 

See hospital and extras cover

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Common questions

No gap dental check-ups

You could get up to 2 dental check-ups per financial year with no out of pocket cost on eligible products and services at selected dentists, subject to annual limits and waiting periods. Excludes x-rays tooth extraction and fillings. 

Find a provider

As long as they're recognised by ahm you can see whoever you like, wherever you like. 

Find extras and hospital cover that suits your needs

Want both? We’ve got a range of extras and hospital cover options.