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Smile & HCF

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

Smile™ vs HCF: Which Offers Better Value?

See how Smile™ achieves better value than HCF on general and major dental, with dental cover from $79 a year - no waiting periods, no treatment exclusions, no benefit limits and no annual cover fee increases. See common treatment examples below.

General Dental - Check-up & Clean

Based on NSW check-up & clean, standard fee is up to $394

Smile™ Single Dental Cover HCF Single Top Extras More Details
Annual Cover Fee $79 $1,020
Treatment Cost Paid By Member $207 $0
You Pay Up To $286$79 annual cover fee + $207 capped fee $1,020 $1,020 annual cover fee + $0 gap fee
The Winner is... Winner! Pay $734 more

Major Dental - Root Canal Treatment

Based on NSW root canal treatment, standard fee is up to $1,842

Smile™ Single Dental Cover HCF Single Top Extras More Details
Annual Cover Fee $79 $1,020
Treatment Cost Paid By Member $789 $842
You Pay Up To $868$79 annual cover fee + $789 capped fee $1,862 $1,020 annual cover fee + $842 gap fee
The Winner is... Winner! Pay $994 more
See Full Comparison: Smile™ vs HCF

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 HCF Extras cover?

You can use Smile dental cover in combination with HCF to top up your HCF cover.

  • Save on dental treatments that aren't covered by your HCF extras cover

  • Get reduced and capped dental fees even if you have reached your benefit limits with HCF

  • Start saving straight away on your dental treatments, even if you’re serving waiting periods with HCF

  • 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 HCF 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 HCF preferred provider, in many cases, you will still benefit more by using Smile and then claiming your HCF 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.

Find Smile™ Dentists Near You Join Now & Benefit Instantly!

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