Dental health insurance in Australia
When paying for dental treatment in Australia, you can use your private health insurance to cover some of the costs. Insurance coverage varies widely depending on your chosen policy, but generally, common preventative treatments like oral examinations, cleaning and minor fillings will be eligible for an insurance claim. More complex procedures may require an extras policy.
Dentistry in Canterbury accepts all major Australian health insurance funds for eligible treatments and uses HICAPS to process on-the-spot claims so that you can recoup any expenses as quickly as possible.
How HICAPS works
HICAPS stands for Health Industry Claims and Payments Service. It’s an electronic healthcare claims system that’s connected with all major Australian health insurance funds and enables patients to make on-the-spot claims for eligible dental treatments.
Here’s how HICAPS works.
For Some Treatments
Bring your health insurance card
When it’s time to pay after treatment, you’ll be asked to present your private health insurance card. Our receptionists will swipe it through the HICAPS electronic clams terminal.Instant Claim Processing
Once your treatment is complete, we swipe your health fund card through the HICAPS terminal. Your claim is processed instantly, meaning you don't have to file paperwork later.Pay the gap payment if required
You simply pay the 'gap' (the difference between the treatment cost and your rebate) at the reception counter — this is referred to as a “gap payment”.NEW TO DENTISTRY IN CANTERBURY? DISCOVER OUR IDEOLOGY OF CARE
Questions about private health insurance
Dentistry in Canterbury accepts all major Australian health insurance funds. After treatment, swipe your health insurance card using the HICAPS electronic claims terminal at reception to automatically deduct the maximum possible rebate from your bill. The amount you save depends on your level of coverage.
Health insurance coverage varies widely; contact your policy provider to get a clear understanding of which treatments are covered. Most policies with Extras cover include common preventative dental treatments, such as check-ups, scaling, cleaning, and small fillings. More complex work may require a higher level of Extras cover (often categorized as Major Dental).
Taking out private health insurance will give you peace of mind, and could save a significant sum of money in the event you or one of your family members require preventative, restorative, cosmetic or surgical dental treatments. Private health funds typically offer far wider coverage than Medicare.
Even without private health insurance, patients at Dentistry in Canterbury can make the costs of their treatment more manageable. We provide upfront, interest-free DentiCare payment plans on all of our treatments, allowing you to spread the costs over regular instalments. Speak to your dentist or our receptionists for more information. Terms and conditions apply.
If you don’t have private health insurance, we’ve developed ways to ensure you can still access quality dental care in Melbourne. Whether you need essential treatments or you want to enhance your smile aesthetically - we believe everyone should be able to achieve this manageably.
We offer payment plans such as DentiCare to cover the cost of your treatment. Plans are interest-free and it’s simple to apply and choose your own repayment schedule; just speak to the receptionists at Toorak Dental Studio for more information. Discover if DentiCare is right for you (Terms and conditions apply).
Ask us a Question
We are happy to answer any dental health insurance-related questions.

