Affordable dental cover to keep you smiling

With no annual limit for preventative dental, HBF extras cover helps keep you smiling.

Types of dental cover

With hundreds of dental services offered, we break these down into four easy to understand categories.

How does it work?

  1. Sign up online

    Once you have picked an extras product that covers the dental services you need, you can sign up online in just a few minutes or contact us.

  2. Serve any applicable waiting periods

    If you are new to private health insurance, you may need to serve waiting periods. If you are switching from another policy or fund, waiting periods may apply so please contact us before starting treatment.

  3. Check your benefits and limits

    You can check your dental benefits and annual limits by logging into myHBF. You can see your annual limits at any time, but you will need to know the dental item numbers and fees to complete a benefit quote. You can get item numbers and fees by speaking with your dentist.

  4. Book an appointment

    You can book a dental appointment at any dentist that is an approved provider with HBF. To see if your provider is covered, call us on 133 423.

Dental Insurance FAQs

How much can I get back?

This will depend on which level of cover you have and the dental service being provided. After you get a treatment plan from your dentist with the dental item numbers to be provided, give us a call to complete a benefit quote so you know exactly what benefits you are entitled to. Please note that waiting periods and annual limits may apply.

How do I claim?

You’ll generally be able to claim electronically at your dentist. Swipe your HBF member card when you pay, and we will pay the provider directly, on the spot. All you will need to pay is the “gap”, which is the difference between what your dentist charges and the benefit that HBF pays to your dentist on your behalf.

Alternatively, you can pay the dentist upfront and submit your accounts and receipts to HBF by one of the following methods:

My kids are eligible for the school dental service program, do I still need dental cover?

School dental programs, funded by the State Government, typically provide general dental treatments but do not include major dental treatments likes crowns, endodontic treatment or braces.

If you don't have Extras cover, and your kids need dental treatment not funded by the State Government, you will have to cover the full cost of these treatments.

Do you need hospital cover for surgical dental extractions?

This will depend on where the surgical extraction is taking place.

After you get a treatment plan from your dentist or oral surgeon with all the dental item numbers to be provided, give us a call to complete a benefit quote so you know exactly what benefits you are entitled to.

If your extraction is taking place at the dental practice, you will not need hospital insurance – all applicable benefits will be paid from your Extras cover. However, if your extraction takes place at a hospital, you will need to have Hospital cover in order to claim benefits for accommodation and theatre costs.

Get in touch with HBF

We'll help you find our best cover that suits your needs.