Great news! From 1 Jan 2020, we’ll be improving individual rebates for periodontics, dentures, crowns and bridges on Super and Premium Options. Please contact us if you’d like more info or if wish to receive a benefit estimate.

Here's your at-a-glance guide to our top dental services and benefits.

General Dental.

Item Name1Item#Visit/ServiceExtras Benefit Payable
   Basic Extras Value ExtrasSimple ExtrasEssential ExtrasAdvanced ExtrasTop Extras
Oral Examination012First Visit50% of each treatment or service $52.75260% of each treatment or service $52.752$52.752$52.752
Dental x-ray022First Visit50% of each treatment or service $21.6060% of each treatment or service $22.80$24.60$27.30
Scale and clean114First Visit50% of each treatment or service $107.15260% of each treatment or service $107.152$107.152$107.152
Fluoride treatment121First Visit50% of each treatment or service $31.60260% of each treatment or service $31.602$31.602$31.602
Surgical tooth extraction322First Visit50% of each treatment or service $121.0060% of each treatment or service $133.10$145.20$157.30
Filling/tooth restoration531First Visit50% of each treatment or service $74.8060% of each treatment or service $79.90$87.20$92.55
1Limits apply to the number of times some items (such as bleaching) attract a benefit. You may also not be able to claim benefits for services performed with another item in the same course of treatment.
2Subsequent visits for these item numbers are paid at a lower benefit

Major Dental.

Item NameItem#Visit/ServiceExtras Benefit Payable
   Basic Extras Value ExtrasSimple ExtrasEssential ExtrasAdvanced ExtrasTop Extras
Filling of one root canal417First VisitNot included.Not included.60% of each treatment or service $123.00$135.30$147.60
Full crown - non-metallic613First VisitNot included.Not included.60% of each treatment or service $722.70$795.00$867.25
Full crown - veneered615First VisitNot included.Not included.60% of each treatment or service $685.95$754.55$852.20
Dentures - complete3719First VisitNot included.Not included.60% of each treatment or service $955.65$1,000$1,218.50
3Benefits for replacement dentures and partial dentures are not paid within three years of previous supply.


No Preferred Providers here.

At HIF, 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 therefore recognised by HIF), you’re free to see whichever one you want. Find out more.


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 benefit. Alternatively, you can complete our online dental benefit estimate form. If you are an existing HIF member you can also log-in to our Online Member Centre to obtain an accurate dental estimate.

General Dental
 Basic ExtrasValue ExtrasSimple ExtrasEssential ExtrasAdvanced ExtrasTop Extras
Annual Limit per person$400$750$600$1,250*$1,000No limit
Annual Limit per policy$800No limit$1,200No limitNo limitNo limit
Major Dental
Annual Limit per personNot includedNot included$600$1,250*$1,000$1,500
Annual Limit per policyNot includedNot included$1,200No limitNo limitNo limit
Orthodontics
Annual Limit per personNot includedNot includedNot included$1,250*$800 $1,000 
Annual Limit per policyNot includedNot includedNot includedNo limitNo limitNo limit
Lifetime LimitNot includedNot includedNot included$1,250^$2,000^$2,500^
*The above annual limit is combined for General Dental, Major Dental and Orthodontics
^The Orthodontic limit is a lifetime limit and forms part of the overall annual limit.

Benefits for Orthodontic Treatment.

For eligible Extras cover, HIF will pay a benefit per orthodontic item. In these instances, HIF will pay 100% of the cost up to your annual limit on your initial claim.

If your orthodontic treatment continues across multiple calendar years and you maintain orthodontic cover under your Extras policy, we may pay benefits up to your annual limits each calendar year, until your lifetime limit.

To be eligible to claim benefits in the next calendar year you must.

  • Ask your dental provider for an updated letter which details your treatment for the current year, along with the expected treatment duration, item codes, fees and outstanding balance.
  • Submit your letter to claims@hif.com.au
  • We will then assess the benefits payable and pay 100% of the eligible cost up to your annual lifetime limit.
  • For each subsequent calendar year that your orthodontic treatment continues, steps 1 and 2 will be repeated.

Important: please note: For HIF members on Special, Super or Premium Options Extras cover please contact us if you’d like more info on how to claim for Orthodontic treatment or if you wish to receive a benefit estimate.


Important, please note:
  • Benefits 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 can be claimed.
  • Dental Prosthetists are allowed to perform a limited range of services for benefit purposes.
  • Waiting periods apply, please see product factsheets for more detail.

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Find out more about HIF Extras Cover.

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