Dental extras benefitswith Hunter Health Insurance
No annual limits on general dental
Plus two gap-free preventative dental check-ups each year
With our Hunter and Premium extras policies.
There are many great benefits to having dental health insurance. With our Hunter and Premium extras policies, you can keep your teeth healthy while keeping your bank account happy.
Not sure what terms like ‘no-gap dental’ or ‘no annual limits’ really mean? Keep reading below to learn more or get in touch with our friendly team if you have any questions!
Learn more about gap-free dentalLearn more about no annual limits
Learn more about what no annual limits means in relation to our extras health insurance and how this benefits you.
What does no annual limit mean?
With no annual limits, members can claim a fixed rebate an unlimited number of times on selected dental item numbers from any dentist within Australia.
If your preferred dentist charges above the fixed rebate amount, this incurs what is called an ‘out-of-pocket expense’ which you are then required to pay the difference of.
For example, if you needed to have a tooth surgically extracted, our Hunter and Premium extras policies will pay a fixed amount of $110 towards this service. If your dentist charges $130 per tooth extraction, you would be out-of-pocket the difference of $20 per claim.
What services are included in no annual limits?
The following services have no annual claim limit for active Hunter and Premium extras policies:
Fillings
Root canal
Surgical tooth extraction
Fluoride treatment
What services are not included in no annual limits?
Scale and clean
Periodical oral examination
Major dental (such as crowns and bridges, dentures or orthodontics)
Learn more about what gap-free preventative dental means in relation to our extras health insurance and how this benefits you.
What is gap-free preventative dental?
With gap-free or no gap services, you can have peace of mind in knowing that we cover the full cost of treatment for the specified services.
Under our Hunter and Premium extras policies, each member is entitled to two preventative dental visits each year which covers the periodical oral examination and scale and clean treatment.
At Hunter Health Insurance, you are not limited to a preferred provider network. This means you can redeem this benefit from any dentist across Australia, allowing you to choose the dentist that best suits your circumstances.
What services are included in the gap-free preventative dental?
The following services are included within the no-gap benefit for active Hunter and Premium extras policies:
Scale and clean
Periodical oral examination
What services are not included in the gap-free preventative dental?
Fillings
Root canal
Surgical tooth extraction
Fluoride treatment
Major dental (such as crowns and bridges, dentures or orthodontics)
What if I need to have other dental work done?
If you need dental work beyond preventative care such as fillings, extractions, or more complex treatments like crowns, root canals, bridges, or orthodontics (e.g. braces), we pay a fixed benefit amount towards both general and major dental services. This means there may be some out-of-pocket costs depending on your treatment and your dentist’s fees.
Want to know exactly what’s covered? Reach out to our team and we’ll be happy to help provide the exact rebate for each service before your appointment.
How do I claim my dental benefits?
Claiming your dental benefits with Hunter Health Insurance is easy!
Visit your dentist
Choose your preferred dentist – you’re not restricted to a provider network, giving you complete freedom of choice.
Scan your HHI card
Simply scan your HHI card at the dentist, as we’re part of the HICAPS network, your extras benefits are applied instantly.
Pay the difference
If there’s a gap, you’ll just pay the difference – but for no-gap services, there’s nothing extra to pay.