Smile & Reserve Bank Health Society

Top up your traditional cover with Smile, even if you have waiting periods, treatment exclusions & benefit limits. Or, replace your cover with Smile.

Is Reserve Bank Health Society extras cover right for you?

Smile is the top-rated dental cover in Australia and could be a better solution for you.

Reserve Bank Health Society Extras

Smile

Annual cover cost
Up to $5,127 a year
Up to $119 a year
Product review rating
Unknown
4.5 stars from 3,341 ratings
Reduced & capped dental fees
Charged regular dental fees
Reduced & capped dental fees instantly at Smile dentists
Paying for
Charged for optical, physio, chiro, podiatry etc.
Dental, no unnecessary services
Cover price increase
Annual price increase applies
No annual price increase
Waiting periods
2 months for general & 12 months for major dental
No waiting periods
Treatment exclusions
Many treatments are not covered
No treatment exclusions
Benefit limits
Benefit limits apply
No benefit limits
Pre-existing condition exclusions
Pre-existing conditions may not be covered
No pre-existing condition exclusions

Annual cover cost

Reserve Bank Health Society Extras

Up to $5,127 a year

Smile

Up to $119 a year

Product review rating

Reserve Bank Health Society Extras

Unknown

Smile

4.5 stars from 3,341 ratings

Reduced & capped dental fees

Reserve Bank Health Society Extras

Charged regular dental fees

Smile

Reduced & capped dental fees instantly at Smile dentists

Paying for

Reserve Bank Health Society Extras

Charged for optical, physio, chiro, podiatry etc.

Smile

Dental, no unnecessary services

Cover price increase

Reserve Bank Health Society Extras

Annual price increase applies

Smile

No annual price increase

Waiting periods

Reserve Bank Health Society Extras

2 months for general & 12 months for major dental

Smile

No waiting periods

Treatment exclusions

Reserve Bank Health Society Extras

Many treatments are not covered

Smile

No treatment exclusions

Benefit limits

Reserve Bank Health Society Extras

Benefit limits apply

Smile

No benefit limits

Pre-existing condition exclusions

Reserve Bank Health Society Extras

Pre-existing conditions may not be covered

Smile

No pre-existing condition exclusions

Smile is saving you on the cost of cover and treatment, finding you quality dentists, and keeping your cover free from restrictions. Smile has created the best dental cover!

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With Smile dental cover, there are no expensive monthly premiums which means the money you save on the cover fee and at the dentist remains in your pocket!

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Not quite ready to drop your Reserve Bank Health Society Extras cover?

You can use Smile dental cover in combination with Reserve Bank Health Society to top up your Reserve Bank Health Society cover.

  • Save on dental treatments that aren't covered by your Reserve Bank Health Society extras cover

  • Get reduced and capped dental fees even if you have reached your benefit limits with Reserve Bank Health Society

  • Start saving straight away on your dental treatments, even if you’re serving waiting periods with Reserve Bank Health Society

  • Reduce your gap expenses (in most cases)

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So how does Smile dental cover work?

  • Join Smile from just $79 a year to get your Smile app with Smile card instantly!

  • Visit any of 4,000+ Smile dentists, show your Smile card to reduce the gap, swipe your Reserve Bank Health Society card for the rebate & pay the gap!*

  • Request your printed invoice from the Smile dentist then use the Smile app to Check Savings!

*If you visit a Smile dentist who is also a Reserve Bank Health Society preferred provider, in many cases, you will still benefit more by using Smile and then claiming your Reserve Bank Health Society rebate. Simply present both cards at the practice and ask to be charged the lower of the two options, then swipe your health fund card at the dentist.

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Start your cover now...

Put your health & smile first plus get peace of mind from just $79 a year.