smile.com.au & HCF

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

Is HCF extras cover right for you?

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

HCF Extras

smile.com.au

Annual cover cost
$370 - $1,997 per year*
$79 - $119 a year
Reduced & capped dental fees
Charged regular dental fees
Reduced & capped dental fees instantly at smile.com.au dentists
Paying for
Charged for optical, physio, chiro, podiatry etc.
Dental, no unnecessary services
Cover price increase
Annual price increase every April
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 as low as $350
No benefit limits
Pre-existing condition exclusions
Pre-existing conditions may not be covered
No pre-existing condition exclusions

Annual cover cost

HCF Extras

$370 - $1,997 per year*

smile.com.au

$79 - $119 a year

Reduced & capped dental fees

HCF Extras

Charged regular dental fees

smile.com.au

Reduced & capped dental fees instantly at smile.com.au dentists

Paying for

HCF Extras

Charged for optical, physio, chiro, podiatry etc.

smile.com.au

Dental, no unnecessary services

Cover price increase

HCF Extras

Annual price increase every April

smile.com.au

No annual price increase

Waiting periods

HCF Extras

2 months for general & 12 months for major dental

smile.com.au

No waiting periods

Treatment exclusions

HCF Extras

Many treatments are not covered

smile.com.au

No treatment exclusions

Benefit limits

HCF Extras

Benefit limits as low as $350

smile.com.au

No benefit limits

Pre-existing condition exclusions

HCF Extras

Pre-existing conditions may not be covered

smile.com.au

No pre-existing condition exclusions

*For a couple, family & sole parent in QLD

^Per person

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

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With smile.com.au dental cover, there are no expensive monthly premiums, which means the money you save at the dentist goes straight back into your pocket rather than into ours.

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Not quite ready to drop your HCF Extras cover?

You can use smile.com.au dental 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 out-of-pocket expenses (in most cases)

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So how does smile.com.au dental cover work?

  • Join online in just 2 minutes from $79 a year

  • Find your local smile.com.au dentist to make an appointment

  • Present your smile.com.au card at your appointment and get reduced and capped dental fees

  • You can then swipe your HCF card at the dentist to receive your HCF dental rebates*

*If you visit a smile.com.au dentist who is also a HCF preferred provider, in many cases, you will still benefit more by using smile.com.au 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.