smile.com.au & nib

Top up your extras with smile.com.au, even if you have waiting periods, benefit limits or treatment exclusions

Is nib extras cover right for you?

smile.com.au dental cover could be a better option.

nib Extras

smile.com.au

Annual cost
$668 - $2,234 per year*
Under $100 per year
Waiting periods
2 months for minor; 12 months for major dental and orthodontics
No waiting periods
Annual benefit limits
Yes – sometimes limits are as low as $600^
No benefit limits
Treatment exclusions
Yes – many treatments are not covered
All treatments are covered
Pre-existing condition exclusions
Yes, if you have pre-existing conditions you may not be covered
No exclusions
Only claiming dental?
Charged for multiple services
No unnecessary extras

Annual cost

nib Extras

$668 - $2,234 per year*

smile.com.au

Under $100 per year

Waiting periods

nib Extras

2 months for minor; 12 months for major dental and orthodontics

smile.com.au

No waiting periods

Annual benefit limits

nib Extras

Yes – sometimes limits are as low as $600^

smile.com.au

No benefit limits

Treatment exclusions

nib Extras

Yes – many treatments are not covered

smile.com.au

All treatments are covered

Pre-existing condition exclusions

nib Extras

Yes, if you have pre-existing conditions you may not be covered

smile.com.au

No exclusions

Only claiming dental?

nib Extras

Charged for multiple services

smile.com.au

No unnecessary extras

*For a couple in QLD

^Per person

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 nib Extras?

You can use smile.com.au dental cover in combination with your nib cover to top up your extras insurance.

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

  • Receive reduced dental treatment fees even if you have reached your benefit limits with your nib extras cover

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

  • 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 for under $100 per year

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

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

  • You can then swipe your nib card through HICAPS to receive your nib dental rebates*

*If you visit a smile.com.au dentist who is also a nib First Choice dentist, in many cases, you will still benefit more by using smile.com.au and then claiming your nib 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 through Hicaps.

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Ready to join?

Put your smile first and get peace of mind for under $100 per year for you (and your family).