Major Dental

Major Dental is designed to help cover the costs of more considerable treatments you receive from a dentist, prosthesist, or specialist dentist.

It allows you more choice when you require dental treatment, and provides reassurance that if a more in-depth problem is found, you won’t be left paying large out of pocket expenses.

You might need Major Dental if you...

  • Consultations and treatment by a dentist, specialist or prosthestist
  • Tooth-coloured fillings
  • Root canal treatment
  • The creation and fitting of dentures

Things you need to know about Major Dental

Limits and benefits

There’s no gap to pay for treatments your kids receive at Member Plus dentists, up to your annual limit, as long as they’re listed on your policy.

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If you choose a product from our Flexi Extras range, selecting Major Dental as one of your service options will include cover for Implants and Orthodontics. 

Major Dental limits and benefits change depending on your choice of Extras product, the level of cover you choose and how long you’ve been an HBF member.

Our Saver Flexi Extras, Standard Extras, Premium Extras Mid, and Premium Extras Plus products have an annual limit on Major Dental.

Our Flexi Extras and Ultimate Package products also have an annual limit on Major Dental, but it includes claims on Implants and Orthodontics Dental.

Our Smart Saver Twin Pack and Prime Health packages have a combined annual limit on Major Dental. Your combined maximum will be shared with any claims you make on General Dental and Implants and Orthodontic Dental.

Our Easy 8 cover has a combined annual limit on Major Dental. Your combined maximum will be shared with any claims you make on Chiropractic, Natural Therapies, General Dental, Optical, Osteopathy, Physiotherapy and Remedial Massage services.

Sublimits are included in overall maximums for Implants and Orthodontics Dental.

Crowns associated with implants are limited to two per two years.

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More information

For more specific information about the limits and benefits covered under each policy please call us on 133 423.

Waiting period

There is a waiting period of twelve months for this service.

We will honour waiting periods already served more info

Products that include Major Dental cover

Major Dental is an Extras service, and is included in the following cover options.

Hospital and Extras Packages

Smart Saver Twin Pack
From
$29.35 (i)
per week
  • Veneer – indirect
    Benefits
    $208
    Waiting Period
    12 months
    Maximums
    Combined $500 maximum for general dental, major dental, implants and orthodontics
  • Veneer – direct
    Benefits
    $64
    Waiting Period
    12 months
    Maximums
    Combined $500 maximum for general dental, major dental, implants and orthodontics
  • Tooth coloured fillings – indirect
    Benefits
    from $150
    Waiting Period
    12 months
    Maximums
    Combined $500 maximum for general dental, major dental, implants and orthodontics
  • Dental Crowns
    Benefits
    $408
    Waiting Period
    12 months
    Maximums
    Combined $500 maximum for general dental, major dental, implants and orthodontics
  • Dental Bridges
    Benefits
    $324
    Waiting Period
    12 months
    Maximums
    Combined $500 maximum for general dental, major dental, implants and orthodontics
  • Full Dentures
    Benefits
    Up to $490
    Waiting Period
    12 months
    Maximums
    Combined $500 maximum for general dental, major dental, implants and orthodontics
  • Root canal treatment
    Benefits
    Up to $183
    Waiting Period
    12 months
    Maximums
    Combined $500 maximum for general dental, major dental, implants and orthodontics
Prime Health Package
From
$44.40 (i)
per week
  • Veneer – indirect
    Benefits
    $256
    Waiting Period
    12 months
    Maximums
    $3500 Combined $3500 maximum for general dental, major dental, implants and orthodontics
  • Veneer – direct
    Benefits
    $69
    Waiting Period
    12 months
    Maximums
    $3500 Combined $3500 maximum for general dental, major dental, implants and orthodontics
  • Tooth coloured fillings – indirect
    Benefits
    from $202
    Waiting Period
    12 months
    Maximums
    $3500 Combined $3500 maximum for general dental, major dental, implants and orthodontics
  • Dental Crowns
    Benefits
    $481
    Waiting Period
    12 months
    Maximums
    $3500 Combined $3500 maximum for general dental, major dental, implants and orthodontics
  • Dental Bridges
    Benefits
    $404
    Waiting Period
    12 months
    Maximums
    $3500 Combined $3500 maximum for general dental, major dental, implants and orthodontics
  • Full Dentures
    Benefits
    Up to $620
    Waiting Period
    12 months
    Maximums
    $3500 Combined $3500 maximum for general dental, major dental, implants and orthodontics
  • Root canal treatment
    Benefits
    Up to $220
    Waiting Period
    12 months
    Maximums
    $3500 Combined $3500 maximum for general dental, major dental, implants and orthodontics
Ultimate Package
From
$90.55 (i)
per week
  • Veneer – indirect
    Benefits
    90% back
    Waiting Period
    12 months
    Maximums
    $1000 under 3 yrs $1500 3-5 yrs $2400 5-10 yrs $3300 10 yrs and over Combined annual maximum with implants and orthodontics
  • Veneer – direct
    Benefits
    90% back
    Waiting Period
    12 months
    Maximums
    $1000 under 3 yrs $1500 3-5 yrs $2400 5-10 yrs $3300 10 yrs and over Combined annual maximum with implants and orthodontics
  • Tooth coloured fillings – indirect
    Benefits
    90% back
    Waiting Period
    12 months
    Maximums
    $1000 under 3 yrs $1500 3-5 yrs $2400 5-10 yrs $3300 10 yrs and over Combined annual maximum with implants and orthodontics
  • Dental Crowns
    Benefits
    90% back
    Waiting Period
    12 months
    Maximums
    $1000 under 3 yrs $1500 3-5 yrs $2400 5-10 yrs $3300 10 yrs and over Combined annual maximum with implants and orthodontics
  • Dental Bridges
    Benefits
    90% back
    Waiting Period
    12 months
    Maximums
    $1000 under 3 yrs $1500 3-5 yrs $2400 5-10 yrs $3300 10 yrs and over Combined annual maximum with implants and orthodontics
  • Full Dentures
    Benefits
    90% back
    Waiting Period
    12 months
    Maximums
    $1000 under 3 yrs $1500 3-5 yrs $2400 5-10 yrs $3300 10 yrs and over Combined annual maximum with implants and orthodontics
This product excludes the following services

Extras Only

Saver Flexi Extras
From
$5.00 (i)
per week
  • Veneer – indirect
    Benefits
    $208
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $770 over 3 & up to 5yrs $990 over 5 & up to 10yrs $1,210 over 10 yrs
  • Veneer – direct
    Benefits
    $64
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $770 over 3 & up to 5yrs $990 over 5 & up to 10yrs $1,210 over 10 yrs
  • Tooth coloured fillings – indirect
    Benefits
    from $150
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $770 over 3 & up to 5yrs $990 over 5 & up to 10yrs $1,210 over 10 yrs
  • Dental Crowns
    Benefits
    $100-$408
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $770 over 3 & up to 5yrs $990 over 5 & up to 10yrs $1,210 over 10 yrs
  • Dental Bridges
    Benefits
    up to $324
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $770 over 3 & up to 5yrs $990 over 5 & up to 10yrs $1,210 over 10 yrs
  • Full Dentures
    Benefits
    up to $490
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $770 over 3 & up to 5yrs $990 over 5 & up to 10yrs $1,210 over 10 yrs
This product excludes the following services
Easy 8
From
$9.15 (i)
per week
  • Veneer – indirect
    Benefits
    $304
    Waiting Period
    12 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
  • Veneer – direct
    Benefits
    $92
    Waiting Period
    12 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
  • Tooth coloured fillings – indirect
    Benefits
    from $253
    Waiting Period
    12 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
  • Dental Crowns
    Benefits
    $165-$680
    Waiting Period
    12 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
  • Dental Bridges
    Benefits
    up to $540
    Waiting Period
    12 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
  • Full Dentures
    Benefits
    up to $800
    Waiting Period
    12 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
This product excludes the following services
Standard Extras
From
$8.05 (i)
per week
  • Veneer – indirect
    Benefits
    $208
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $880 over 3 & up to 5yrs $1,760 over 5 & up to 10yrs $2,035 over 10 yrs
  • Veneer – direct
    Benefits
    $64
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $880 over 3 & up to 5yrs $1,760 over 5 & up to 10yrs $2,035 over 10 yrs
  • Tooth coloured fillings – indirect
    Benefits
    from $150
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $880 over 3 & up to 5yrs $1,760 over 5 & up to 10yrs $2,035 over 10 yrs
  • Dental Crowns
    Benefits
    $100-$408
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $880 over 3 & up to 5yrs $1,760 over 5 & up to 10yrs $2,035 over 10 yrs
  • Dental Bridges
    Benefits
    up to $324
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $880 over 3 & up to 5yrs $1,760 over 5 & up to 10yrs $2,035 over 10 yrs
  • Full Dentures
    Benefits
    up to $490
    Waiting Period
    12 months
    Maximums
    $500 under 3 yrs $880 over 3 & up to 5yrs $1,760 over 5 & up to 10yrs $2,035 over 10 yrs
This product excludes the following services
Flexi Extras
From
$12.90 (i)
per week
  • Veneer – indirect
    Benefits
    $421
    Waiting Period
    12 months
    Maximums
    $1500 over 1yr & up to 2yrs $1750 over 2yrs & up to 3yrs $2000 over 3yrs and under 4yrs $2500 over 4yrs Combined annual maximum with implants and orthodontics
  • Veneer – direct
    Benefits
    $119
    Waiting Period
    12 months
    Maximums
    $1500 over 1yr & up to 2yrs $1750 over 2yrs & up to 3yrs $2000 over 3yrs and under 4yrs $2500 over 4yrs Combined annual maximum with implants and orthodontics
  • Tooth coloured fillings – indirect
    Benefits
    $306
    Waiting Period
    12 months
    Maximums
    $1500 over 1yr & up to 2yrs $1750 over 2yrs & up to 3yrs $2000 over 3yrs and under 4yrs $2500 over 4yrs Combined annual maximum with implants and orthodontics
  • Dental Crowns
    Benefits
    $263-$671
    Waiting Period
    12 months
    Maximums
    $1500 over 1yr & up to 2yrs $1750 over 2yrs & up to 3yrs $2000 over 3yrs and under 4yrs $2500 over 4yrs Combined annual maximum with implants and orthodontics
  • Dental Bridges
    Benefits
    up to $509
    Waiting Period
    12 months
    Maximums
    $1500 over 1yr & up to 2yrs $1750 over 2yrs & up to 3yrs $2000 over 3yrs and under 4yrs $2500 over 4yrs Combined annual maximum with implants and orthodontics
  • Full Dentures
    Benefits
    up to $796
    Waiting Period
    12 months
    Maximums
    $1500 over 1yr & up to 2yrs $1750 over 2yrs & up to 3yrs $2000 over 3yrs and under 4yrs $2500 over 4yrs Combined annual maximum with implants and orthodontics
This product excludes the following services
Premium Extras Mid
From
$12.15 (i)
per week
  • Veneer – indirect
    Benefits
    $256
    Waiting Period
    12 months
    Maximums
    $600 under 3 yrs $1100 over 3 & up to 5 yrs $1760 over 5 & up to 10 yrs $2200 over 10 yrs
  • Veneer – direct
    Benefits
    $69
    Waiting Period
    12 months
    Maximums
    $600 under 3 yrs $1100 over 3 & up to 5 yrs $1760 over 5 & up to 10 yrs $2200 over 10 yrs
  • Tooth coloured fillings – indirect
    Benefits
    from $202
    Waiting Period
    12 months
    Maximums
    $600 under 3 yrs $1100 over 3 & up to 5 yrs $1760 over 5 & up to 10 yrs $2200 over 10 yrs
  • Dental Crowns
    Benefits
    $132-$481
    Waiting Period
    12 months
    Maximums
    $600 under 3 yrs $1100 over 3 & up to 5 yrs $1760 over 5 & up to 10 yrs $2200 over 10 yrs
  • Dental Bridges
    Benefits
    up to $404
    Waiting Period
    12 months
    Maximums
    $600 under 3 yrs $1100 over 3 & up to 5 yrs $1760 over 5 & up to 10 yrs $2200 over 10 yrs
  • Full Dentures
    Benefits
    up to $620
    Waiting Period
    12 months
    Maximums
    $600 under 3 yrs $1100 over 3 & up to 5 yrs $1760 over 5 & up to 10 yrs $2200 over 10 yrs
This product excludes the following services
Premium Extras Plus
From
$19.15 (i)
per week
  • Veneer – indirect
    Benefits
    $304
    Waiting Period
    12 months
    Maximums
    $800 under 3 yrs $1320 over 3 & up to 5 yrs $2200 over 5 & up to 10 yrs $3080 over 10 yrs
  • Veneer – direct
    Benefits
    $92
    Waiting Period
    12 months
    Maximums
    $800 under 3 yrs $1320 over 3 & up to 5 yrs $2200 over 5 & up to 10 yrs $3080 over 10 yrs
  • Tooth coloured fillings – indirect
    Benefits
    from $253
    Waiting Period
    12 months
    Maximums
    $800 under 3 yrs $1320 over 3 & up to 5 yrs $2200 over 5 & up to 10 yrs $3080 over 10 yrs
  • Dental Crowns
    Benefits
    $165-$680
    Waiting Period
    12 months
    Maximums
    $800 under 3 yrs $1320 over 3 & up to 5 yrs $2200 over 5 & up to 10 yrs $3080 over 10 yrs
  • Dental Bridges
    Benefits
    up to $540
    Waiting Period
    12 months
    Maximums
    $800 under 3 yrs $1320 over 3 & up to 5 yrs $2200 over 5 & up to 10 yrs $3080 over 10 yrs
  • Full Dentures
    Benefits
    up to $950
    Waiting Period
    12 months
    Maximums
    $800 under 3 yrs $1320 over 3 & up to 5 yrs $2200 over 5 & up to 10 yrs $3080 over 10 yrs
This product excludes the following services