Australian workplace team discussing employee benefits and corporate dental cover

Attract and Retain Talent.
Elevate Your Business.

Enterprise Dental Cover — a distinctive health benefit that makes dental care accessible for every employee and their family, from Day 1.

$99 per employee per year | Family included | FBT‑exempt

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Australia’s Top-Rated Dental Cover — Valued by Employees, Trusted by Organisations

Everyone’s Benefits Stack Looks Like Everyone Else’s

Australian employers are competing harder than ever for talent, and employees expect more from their employers. Yet most benefits portfolios draw on the same familiar mix of programs, perks and discounts — difficult to stand apart with, and easy for employees to overlook. The challenge is no longer offering more benefits. It’s choosing the benefits employees genuinely use, value and remember.

  • 97%

    of Australian employers already provide health and wellbeing programs

  • 78%

    of Australian workers expect their employer to look after their health and wellbeing, in and outside of work

  • #2

    Attractive salary and benefits is the 2nd highest attribute Australians seek in an ideal employer, behind work-life balance

Dental is the Benefits Gap Hiding in Plain Sight

Dental care is universal, recurring and expensive. Every employee and every family needs it — routine annual check-ups for life, plus expensive treatment such as wisdom teeth, cracked teeth, the root canals nobody plans for.

2 in 3

Australian adults avoid or delay dental care, mainly because of cost.

Employees carry the cost at home — deferred check-ups, out-of-pocket dental costs, and a recurring family health need.

Business carries the impact at work — in retention, engagement, presence and productivity. Right now, both are paying. And neither is covered.

One Employer Decision. A Win-Win for Everyone.

Smile™ Enterprise Dental Cover creates value on both sides. Employees get access to dental care they might otherwise defer, while your organisation gains the outcome that follows — stronger talent attraction and retention, higher engagement, improved presence and productivity.

For $99 per employee per year, every employee and their family is covered from Day 1 — no waiting periods, no treatment exclusions, no annual benefit limits, pre-existing conditions covered — with reduced and capped dental fees across all treatments at 4,000+ Smile™ dentists nationwide.

Access to Every Kind of Care Preventive, elective and reactive care all sit within the cover, from routine annual check-ups and cleans, to whitening and veneers, to fillings, crowns and root canal treatment.
Automatic, Organisation-Wide, From Day 1 One decision covers every employee — no opt-in, no enrolment, no forms. You know the whole workforce has it, rather than hoping the right people signed up.
Family Included Partners and dependant children are covered instantly. Dental needs happen across the household — so that’s where the benefit reaches.
FBT-exempt At $99 per employee per year, Smile™ sits under the ATO’s $300 Minor Benefits Exemption (Section 58P, FBTAA 1986), where the benefit is under $300 and provided on an infrequent and irregular basis.
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How Smile™ Supports Your Business

Mining and construction employees supported by corporate dental cover in Australia

Attract and Retain the Talent You Need

A distinctive, family-inclusive health benefit gives candidates something tangible — visible on the careers page, easy to explain in the offer conversation, and relevant whether someone is 25 and single or 45 with three kids. Every check-up and every dollar saved reinforces the value that you are providing as an employer.

That matters, because talent loss is expensive. Replacing one employee costs an estimated 30% to 200% of annual salary — before lost institutional knowledge, disrupted client relationships, pressure on the remaining team and the drag of an open role are counted.

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How Smile™ Supports Your People

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A Benefit Employees
Actually Use and Love

Up to 77%

annual utilisation

Dental is not another benefit waiting inside a portal for employees to discover. It is a recurring health need employees and families require each year and throughout life. High utilisation creates repeated moments when employees experience practical health and financial value provided directly by their employer.

186%

more likely to attend routine annual dental visits

Employees with dental cover are more likely to visit the dentist annually for routine care, making it accessible rather than delaying treatment until problems become more serious.

That’s the difference between a benefit employees are offered and a benefit employees experience. Every use is both practical value for the household and a visible reminder of who provided it.

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Not Another Perk. Not Another Extras Plan.

Extras cover and Wellness perks are not built to provide dental cover to every employee and their family from Day 1.

  • Smile™ Cover: Employer-paid
  • Extras Cover: Employee-paid — cover cost rises each year.
  • Wellness & Perks: Employer budget or subsidy that only some employees ever claim
  • Smile™ Cover: Every employee and their family
  • Extras Cover: Only the employees who purchase
  • Wellness & Perks: Uneven by design - only the employees who opt in or enrol
  • Smile™ Cover: No purchase, opt-in, application or enrolment
  • Extras Cover: Must select and purchase
  • Wellness & Perks: Must choose or enrol
  • Smile™ Cover: Yes
  • Extras Cover: Waiting periods commonly apply
  • Wellness & Perks: Only after enrolment
  • Smile™ Cover: Entire benefit is focused on dental cover and care
  • Extras Cover: Bundled with other services, with high and rising cover cost, restrictions and out-of-pocket costs
  • Wellness & Perks: None - no dental support
  • Smile™ Cover: Included
  • Extras Cover: Higher cover cost applies
  • Wellness & Perks: Rarely — perks and reimbursements are individual
  • Smile™ Cover: Exempt: $99 sits under the ATO’s $300 Minor Benefits Exemption (Section 58P)
  • Extras Cover: Taxable if employer-paid
  • Wellness & Perks: Managed against FBT thresholds
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Dental Gives Employers a Rare Opportunity to Lead

78%

Australian employers are looking for ways to deliver greater employee value without adding more of the same. And the expectation is already here: 78% of Australian workers expect their employer to support their health and wellbeing, in and outside of work.

82%

The US shows where that leads. There, employer-paid dental cover is standard — and 82% of employees see it as a critical part of their benefits package. In Australia, workplace dental cover remains rare. That's the window: not because dental is new, but because dental as a workplace benefit is. It’s a differentiator today, on its way to becoming an expected part of the benefits package tomorrow — and the employers who move first get to own it.

42%

Executive conversations have shifted from productivity alone to care, burnout and keeping the people the business can’t afford to lose. And with 42% of Australian workers reporting financial stress — and 75% pointing to everyday cost of living as the main cause — a benefit that reduces a real, recurring household expense, for the whole family, lands differently than another app or perk.

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The Business Case for Enterprise Dental Cover

See what poor oral health and avoidable talent loss are quietly costing your organisation in thousands of dollars per employee per year — and how a $99-per-employee-per year benefit changes the maths.

Productivity ROI Calculator

Model the productivity loss across your workforce and a potential return of up to 76:1 on salary loss alone.

Calculate Productivity Loss→

Talent Loss Calculator

Check your annual talent loss exposure and how many employees it takes to retain for Smile™ to pay for itself.

Calculate Talent Loss→

$8.7B

in lost productivity from poor oral health in Australia — and what it means for your organisation. See how oral health affects productivity, retention and workforce wellbeing, and how markets like the U.S. have already resolved it.

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Simple to Implement. Instant Impact.

Smile™ keeps it simple: one agreement is all it takes to go live. One employer decision, one provider and one predictable annual cover fee gives every employee and their family dedicated dental cover from Day 1.

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The Cost of Waiting is Already on Your Payroll

What every month costs

Every day employees delay dental care because of cost, the impact follows them into work. It accumulates quietly — across retention, engagement and productivity — while the benefits strategy rolls over, year after year. Dental is a universal, recurring and expensive health need.

2 in 3

Australian adults avoid or delay care mainly because of cost.

Medicare doesn’t cover it, and neither extras cover nor the wellness menu closes the gap. The hidden costs keep accumulating. And your employees go another month managing a real household health need on their own.

What one decision changes

For $99 per employee per year, your entire workforce and their families are covered from Day 1 — no waiting periods, treatment exclusions or annual benefit limits, pre-existing conditions covered, and reduced and capped dental fees at 4,000+ Smile™ dentists nationwide.

Up to 77%

annual utilisation — a benefit employees use

Value your people feel at every visit, at home and at work — and a benefit few Australian employers offer yet. That’s what sets you apart: stronger talent attraction and retention, higher satisfaction and engagement, and a healthier, more present, more productive workforce.

Enterprise dental cover is an untapped opportunity in Australian workplace benefits. Move first, and you’re the employer that gave talent a reason to join, a reason to stay, and proof you look after your employees.

Support your workforce. Stand out as an employer. Lead with a benefit employees and their families will actually use and love.

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Trusted by Major Australian Organisations

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Articles on Employee Wellbeing

Oral health and chronic disease risks for Australian employees

Oral Health: The Link Between Dental and Chronic Disease in Australia

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Enterprise Dental Cover

Smile™ Enterprise Dental Cover - FAQs

Yes. Under the ATO’s $300 Minor Benefits Exemption (Section 58P), an employer-paid benefit costing less than $300 per employee is exempt from FBT — provided it is offered on an infrequent and irregular basis. At $99 per employee per year, Smile™’s enterprise dental cover is exempt from FBT - there is no FBT liability and no grossing-up. Employers pay just $99.

Yes. The $99 annual fee per employee includes their partner and dependant children. Family is a core part of Smile™'s value proposition and one of the primary drivers of the parental productivity benefit.

No. Coverage is immediate from Day 1, and there are no waiting periods, no treatment exclusions, no annual benefit limits, and no pre-existing condition exclusions. Cover includes general and major treatments such as check-ups and cleans, fillings, wisdom teeth extractions, root canal treatment, crowns, teeth whitening, implants, veneers, cosmetic dentistry, etc.

No. Smile™ is a corporate dental cover, designed as an organisation-wide benefit. Employees do not need to purchase the cover themselves, apply or enrol individually before they can receive the benefit.

Employees and their eligible family members can begin using their Smile™ corporate dental cover from Day 1. There are no waiting periods, so employees do not need to wait before accessing eligible dental treatment.

Employees find their nearest Smile™ dentist through the Smile™ app. Employees simply visit any of the 4,000+ quality-monitored Smile™ dentists in our national network. There is no claims process, no reimbursement, and no paperwork. At the appointment, reduced and capped fees apply automatically.

Yes. There are no setup fees, implementation fees, or ongoing administration costs charged by Smile™. The fixed annual fee of $99 per employee covers their partner and dependant children. Because Smile™ qualifies under the ATO's $300 Minor Benefits Exemption, there is no FBT liability to account for or gross up. What you see is what you pay.

Yes. Smile™ gives employees access to a nationwide network of 4,000+ quality-monitored Smile™ dentists, making it suitable for organisations with employees across Australia.

Smile™ corporate dental cover provides reduced and capped dental fees across all dental treatments at 4,000+ quality-monitored Smile™ dentists in every state and territory in Australia, with no treatment exclusions and no annual benefit limits.

Yes. Employees can keep their existing extras cover and use it alongside Smile™. Employees can visit any Smile™ dentist, ask to be charged the lower applicable fee and then claim any eligible rebate from their health fund as usual.