Smile & St. Lukes Health
Top up your traditional cover with Smile, even if you have waiting periods, treatment exclusions & benefit limits. Or, replace your cover with Smile.
Is St. Lukes Health extras cover right for you?
Smile is the top-rated dental cover in Australia and could be a better solution for you.
St. Lukes Health Extras
Smile
Annual cover cost
Up to $3,826 a year
Up to $119 a year
Product review rating
3.0 stars from 22 ratings
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
St. Lukes Health Extras
Up to $3,826 a year
Smile
Up to $119 a year
Product review rating
St. Lukes Health Extras
3.0 stars from 22 ratings
Smile
4.5 stars from 3,341 ratings
Reduced & capped dental fees
St. Lukes Health Extras
Charged regular dental fees
Smile
Reduced & capped dental fees instantly at Smile dentists
Paying for
St. Lukes Health Extras
Charged for optical, physio, chiro, podiatry etc.
Smile
Dental, no unnecessary services
Cover price increase
St. Lukes Health Extras
Annual price increase applies
Smile
No annual price increase
Waiting periods
St. Lukes Health Extras
2 months for general & 12 months for major dental
Smile
No waiting periods
Treatment exclusions
St. Lukes Health Extras
Many treatments are not covered
Smile
No treatment exclusions
Benefit limits
St. Lukes Health Extras
Benefit limits apply
Smile
No benefit limits
Pre-existing condition exclusions
St. Lukes Health 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!
,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!
Not quite ready to drop your St. Lukes Health Extras cover?
You can use Smile dental cover in combination with St. Lukes Health to top up your St. Lukes Health cover.
So how does Smile dental cover work?
*If you visit a Smile dentist who is also a St. Lukes Health preferred provider, in many cases, you will still benefit more by using Smile and then claiming your St. Lukes Health 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.
Start your cover now...
Put your health & smile first plus get peace of mind from just $79 a year.
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