Does Southern Cross UltraCare cover dental treatment?
Southern Cross UltraCare appears to exclude dental cover — see the exclusion list below.
Policy wording effective 2026-04-01 · extracted by us on 2026-05-16 · extraction confidence inferred
Relevant exclusions in the wording
- Pre-existing conditions (unless clearly stated otherwise on membership certificate, and does not apply after 3 years of continuous cover on this plan, or to Day-to-day treatment or Vision and Dental benefits)
- Healthcare services performed by a dentist, periodontist, endodontist, or orthodontist (except Vision and dental benefit for UltraCare 400 plan)
- Dental implants including titanium dental implants (except Vision and dental benefit for UltraCare 400 plan)
- Extraction of teeth (except as covered under Surgical procedures benefit or Vision and dental benefit for UltraCare 400 plan)
- Surgery designed to assist or allow for orthodontic healthcare services (except Vision and dental benefit for UltraCare 400 plan)
- Appliances or equipment (surgical, medical, or dental) such as CPAP machines, hearing aids, orthotics, crutches, surgically implanted lenses (except monofocal lenses) (except when included in list of prostheses and specialised equipment as part of eligible surgical treatment)
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About this answer. Extracted from Southern Cross's published policy wording effective 2026-04-01 on 2026-05-16 (PDF sha256
a6254b23187c493f…). If the policy has been updated since that date, the verbatim text above may be out of date — the authoritative answer is always the source PDF linked, not our derived facts. For personalised advice on whether Southern Cross UltraCare suits your situation, consult a licensed Financial Advice Provider (we are Evolve Group Limited, FSP711891 — see /quotes/).