Finance
All-on-4 finance Australia 2026: payment plans for full arch implants and the abroad alternative
How Australian All-on-4 finance works, monthly payment tables for one and two arches, and a direct cost comparison with Picasso Dental Clinic Vietnam.
Australian private All-on-4 costs AUD 28,000–AUD 45,000 per arch. Most practices offer 0% finance for 12–24 months, meaning monthly payments of AUD 1,167–AUD 1,875 per arch for 24 months. Patients planning two arches face AUD 56,000–AUD 90,000. Picasso Dental Clinic Vietnam charges from AUD 7,068 (Osstem) to AUD 12,436 (Nobel Biocare) per arch — a dual-arch Nobel Biocare case at Picasso is less than most single-arch Australian finance plans.
Monthly payment comparison — Australian finance vs Vietnam all-in
| Scenario | AU private total (AUD) | 0% finance 24 months (AUD/month) | Picasso Vietnam all-in (AUD) |
|---|---|---|---|
| 1 arch — Osstem | AUD 28,000 – AUD 35,000 | AUD 1,167 – AUD 1,458 | AUD 10,368 – AUD 12,068 |
| 1 arch — Nobel/Straumann | AUD 35,000 – AUD 45,000 | AUD 1,458 – AUD 1,875 | AUD 15,736 – AUD 17,836 |
| 2 arches — Osstem | AUD 56,000 – AUD 70,000 | AUD 2,333 – AUD 2,917 | AUD 17,436 – AUD 21,136 |
| 2 arches — Nobel/Straumann | AUD 70,000 – AUD 90,000 | AUD 2,917 – AUD 3,750 | AUD 28,172 – AUD 32,272 |
Vietnam all-in estimate: Picasso arch price + return economy SYD–HCMC AUD 900–1,400 + 21 days accommodation AUD 3,000–5,000.
The financial case for Vietnam
A dual-arch Osstem All-on-4 at Picasso:
- Treatment: AUD 14,136
- Flights: AUD 1,000 (return SYD–HCMC)
- Accommodation 21 days: AUD 3,500
- Total: approximately AUD 18,636
Same case at an Australian private practice: AUD 56,000–AUD 70,000.
The saving is AUD 37,000–AUD 51,000 — enough for most patients to pay for their entire trip and have significant savings remaining.
Even at the Nobel Biocare tier:
- Picasso all-in: approximately AUD 28,000–AUD 30,000
- Australian private Nobel/Straumann dual arch: AUD 70,000–AUD 90,000
- Saving: AUD 40,000–AUD 62,000
Prosthetic bridge options
The implant fixture price does not include the prosthetic bridge. Add:
| Bridge type | Per arch (AUD) |
|---|---|
| Acrylic full-arch bridge | AUD 2,826 |
| Titanium full-arch bar | AUD 3,956 |
| BioHPP full-arch bar | AUD 3,956 |
Most initial quotes are for the implant fixtures; bridge type is selected based on clinical assessment and budget.
Related pages
- All-on-4 — procedure guide
- All-on-6 — six-implant alternative
- Dental implant finance — single implant costs
- AUD pricing — full list
- Free AUD quote
Frequently asked questions
How much does All-on-4 cost in Australia?
Australian private All-on-4 typically costs AUD 28,000–AUD 35,000 per arch for Osstem or similar systems, and AUD 35,000–AUD 45,000 for Nobel Biocare or Straumann. Two arches cost AUD 56,000–AUD 90,000. Medicare does not cover implants.
Can I finance All-on-4 in Australia?
Yes. Most All-on-4 practices offer payment plans through DentiCare, TLC, or Zip Money Health. 0% terms for 12–24 months are common for amounts up to AUD 50,000. After the interest-free period, 19–29% APR applies. Read the full contract — the interest cost on a AUD 60,000 balance at 25% APR is significant.
Does private health insurance cover All-on-4 in Australia?
Partially and inconsistently. Some funds cover a portion of the crown component — typically AUD 1,000–3,000 per arch — but the implant fixtures are generally excluded. Total insurance contribution for dual arch All-on-4 is typically AUD 2,000–6,000 against a AUD 56,000–90,000 bill. Check item codes 684 (implant), 628 (crown), 629 (bridge) with your fund.
Is All-on-4 in Vietnam safe?
Yes, when planned correctly. CBCT is mandatory at Picasso before All-on-4 — bone volume, nerve position, and sinus anatomy are measured, not estimated. Dr. Phong has placed 1,000+ All-on-4 cases and was the first Vietnamese surgeon certified for the procedure in 2010. See /safety/dentist-credentials/ and /safety/honest-risks/.
What is the total cost for dual arch All-on-4 at Picasso Vietnam?
Osstem tier both arches: AUD 14,136. Nobel Biocare/Straumann both arches: AUD 24,872. Add return flights (AUD 900–1,400) and 14–21 days accommodation (AUD 2,000–4,000) for a total of approximately AUD 17,000–30,000 — against AUD 56,000–90,000 in Australia.