As with all dental insurance for individuals policies, there are certain things that are not covered. The following list is a summary only.
Any treatment undertaken or completed prior to joining the plan, or within the qualifying period.
Any conditions/injuries you had when you took out the plan (pre-existing conditions). This does not apply to check-ups, hygienist, general and restorative treatment.
Oral cancers diagnosed or for which symptoms or signs develop within the first 90 days of cover (90 day deferment period).
Oral cancer if you have been chewing tobacco and/or have been advised by your doctor to reduce your alcohol intake.
Cosmetic and aesthetic treatment, implants or treatment that is not clinically necessary.
Chronic conditions (which are long-term illnesses that lead to long-term monitoring or management) and chronic periodontal disease.
Restorative treatment associated with material dental neglect under the Dental Injury or Oral Cancer benefits.
Any claims submitted more than 6 months after the treatment took place.
