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Private health insurance offered little relief for my dental woes
(www.abc.net.au)
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this post was submitted on 07 Nov 2025
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I know several families who hve done the math and concluded that self-insurance, where you just bank the premiums, has worked very well. Most have young families.
Yeah we look at shucking it sometimes, but husband needs the psych and glasses
This is particularly the case with "extras cover" which is really what the article is about. Have often seen it characterised as more of a savings plan than insurance, but it serves the industry to market it as a sort of extension to hospital cover.
It’s always that way until something big goes wrong though, then you’ll wish you had insurance. Home and contents, health, pet, car - they’re a waste of money until the very thing that you need them for happens.
Extras, which dental is part of, maxes out at about a thousand dollars on even the most expensive policies. So if you have a dental disaster, you're still going to need money.
Certainly private insurance can be useful for skipping the queue for elective surgery, but that's it. Things like cancer treatment or traumatic accidents are all in the public system as they are not profitable.