Dental Benefits

"SmartTeeth" - private dental cover to smile about. 

SmartTeeth is a unique benefits program that sets our private dental insurance cover apart. 
It’s brilliant. A gem of an idea. And we’re not being big-headed when we say that because it was inspired by our members. They asked us for private dental insurance cover that rewards proactive dental care and provides higher rebates for the most popular services. So that’s what we did.

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 HIF overseas visitors cover options

All part of our private dental insurance cover.

Firstly, let us just clarify that SmartTeeth isn’t an add-on. It’s a standard part of our Saver, Special, Super and Premium Options Extras cover, designed to encourage and reward regular maintenance of your teeth. It's added value, but no added cost. So, no matter which Extras option you choose, you can enjoy rebates of up to 100% for the most popular dental services, like examinations, remineralisation, plaque and calculus removal and dentist-fitted sports mouthguards.

How will my SmartTeeth dental rebate be calculated?

We will pay a percentage of the dentist’s fee, up to a set maximum benefit for each item of service. For example, with our Premium Options Extras cover you get:

  1. Top 24 general dental services: 80% to 100% of the fee, up to a set maximum benefit per item.
  2. All other general dental services: 70% of the fee, up to a set maximum benefit per item*.
  3. All other (i.e. major) dental services: 60% of the fee, up to a set maximum benefit per item*.
* Benefits  differ for Vital Options cover. Benefits may also be limited where potential rebates exceed dental service sub-limits or annual limit. Please contact us for more details on these services.

Our top SmartTeeth dental services and benefits.

SmartTeeth maximum dental rebate example:

Mary is covered under Super Options and she visits her family dentist who completes Mary’s first oral examination and her first plaque removal in the calendar year. As recommended by her dentist, Mary has a second (6 monthly) examination later that year. The following table is an example of the dentist’s fee and the rebates Mary will attract.

Dental Item Description Dentist Fee Percentage of Fee Maximum Payable Rebate Paid to Mary
011 Oral Examination (first visit) $55.00 100% $59.25 $55.00
114 Removal of calculus (first visit) $120.00 100% $107.15 $107.15
012 Oral Examination (second visit) $55.00 80% $42.20* $42.20
* Figure represents 80% of the maximum rebate which is the maximum amount payable for subsequent visits.

So good, even dentists are smiling.

SmartTeeth must be good because we’re the only health fund with a written endorsement from the Australian Dental Association of Western Australia (ADAWA). And talking of dentists, we don’t restrict you to ‘contracted suppliers’ like some of the other big private health funds do. So, as long as your  preferred dentist is legally qualified to practise in Australia (and that's recognised by HIF), you’re free to see whichever one you want. Find out more...


HIF dental annual limits.

IMPORTANT: Before commencing any dental treatment, please contact us with full details of the necessary dental service (as provided by the dentist) and we'll provide you with an estimate of your refund.

Premium Year 1 Year 2 Year 3 Year 4 Year 5 5 Years+
General - Unlimited No Limit No Limit No Limit No Limit No Limit No Limit
General - Limited $1,500 $1,800 $2,100 $2,400 $2,700 $3,000
Inlay / Onlay $1,000 $1,100 $1,200 $1,300 $1,400 $1,500
Denture, Crown, Bridge $1,200 $1,300 $1,400 $1,500 $1,600 $1,700
Periodontic and Endodontic $700 $800 $900 $1,000 $1,100 $1,200
Orthodontic $1,500 $1,800 $2,100 $2,400 $2,700 $3,000
Annual Limit per Person $1,500 $1,800 $2,100 $2,400 $2,700 $3,000
Super Year 1 Year 2 Year 3 Year 4 Year 5 5 Years+
General - Unlimited No Limit No Limit No Limit No Limit No Limit No Limit
General - Limited $1,150 $1,350 $1,550 $1,750 $2,050 $2,350
Inlay / Onlay $700 $800 $900 $1,000 $1,100 $1,200
Denture, Crown, Bridge $900 $1,000 $1,100 $1,200 $1,300 $1,400
Periodontic and Endodontic $500 $600 $700 $800 $900 $1,000
Orthodontic $1,300 $1,500 $1,700 $1,900 $2,200 $2,500
Annual Limit per Person $1,300 $1,500 $1,700 $1,900 $2,200 $2,500
Special Options Year 1 Year 2 Year 3 Year 4 Year 5 5 Years+
General - Unlimited No Limit No Limit No Limit No Limit No Limit No Limit
General - Limited $800 $950 $1,150 $1,350 $1,550 $1,750
Inlay / Onlay $500 $600 $700 $800 $900 $1,000
Denture, Crown, Bridge $600 $700 $800 $900 $1,000 $1,100
Periodontic and Endodontic $300 $400 $500 $600 $700 $800
Orthodontic $1,000 $1,200 $1,400 $1,600 $1,800 $2,000
Annual Limit per Person $1,000 $1,200 $1,400 $1,600 $1,800 $2,000
Saver Options Year 1 Year 2 Year 3 Year 4 Year 5 5 Years+
General - Unlimited No Limit No Limit No Limit No Limit No Limit No Limit
General - Limited $750 $850 $950 $1,050 $1,150 $1,250
Inlay / Onlay Not covered Not covered Not covered Not covered Not covered Not covered
Denture, Crown, Bridge Not covered Not covered Not covered Not covered Not covered Not covered
Periodontic and Endodontic Not covered Not covered Not covered Not covered Not covered Not covered
Orthodontic Not covered Not covered Not covered Not covered Not covered Not covered
Annual Limit per Person $750 $850 $950 $1,050 $1,150 $1,250

 

For benefits relating to our new entry-level cover 'Vital Options', please refer to the Vital Options Product Overview Page
 

Please note:

  • Refunds are paid only on accounts rendered by a registered Dentist or Dental Prosthetist. The Dentist or Dental Prosthetist must be in private practice.
  • Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.
  • There are some items within item code ranges for which the fund does not pay a benefit, or if they are performed with another item in the same course of treatment.
  • Limits apply to the  number of times some items, such as bleaching attract a rebate.
  • Dental Prosthetists are allowed to perform a limited range of services for benefit purposes.
  • The Orthodontic limit is a lifetime limit and forms part of the overall annual limit.