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Health Funds at Torquay Smiles

At Torquay Smiles we know that many of our families rely on their Health Insurance Fund to help with their health management. We accept all health funds – swiped through the HICAPS terminal, to claim your benefits – and then you only pay the gap. If you have health insurance, we accept it.

Some health funds have no gap offers – or reduced prices for their members, or may pay a higher percentage when you use the right dentist. And we have listed these below the ones we partner with to save you money.

Make an appointment today to use your Health Insurance, at Torquays favourite new dentist – Torquay Smiles. Book online anytime – at CLICK HERE – or call us on (03) 4224 9014


    • CBHS logo

      CBHS – Commonwealth Bank

      If you or your family work for Commonwealth Bank and allied financial businesses, CBHS offers very good coverage for you through their dental plans. That includes little to no out-of-pocket expense.

    • NIB

      NIB logo smallNIB health insurance members benefit from specially negotiated prices on most dental treatments — saving you from 8% to 30% on your dentalo needs (most savings is around 20%). Swipe your car, and then they pay benefits depending on your level of cover. Swipe, smile and save. Most people with NIB find they don’t pay out of pocket for their check up & clean including xrays – twice a year – that’s a huge saving!

    • Qantas Health Insurance

      qantas health logoFrequent flyers not only earn points when they buy their insurance, they also save an average of 20% when they visit Torquay Smiles. And NO out of pocket cost when it comes to your twice yearly clean, which also includes x-rays. If kids need a check up and clean, and then need fillings, we can always put their check up on this insurance, then the fillings on the Medicare Dental scheme (if your family qualifies). Want to save 20% off your dental costs?. Fly in to Torquay Smiles and save with your Qantas Health Insurance membership.

    • GU Health

      GU Health logoAustralia’s leading corporate health insurer is GU Health. The corporate discounts include discounts on your dental care, and benefits paid on them as well. Annual limits may apply (check your date of joining to find out the anniversary of your benefit reset). Torquay Smiles is the best place on the Surf Coast to get your dental care with GU Health.

    • APIA – Australian Pensioners Insurance

      apia logoDepending on your plan, APIA seniors insurance will pay part of your treatment costs – AND give you a saving of 15-25% on our normal dental costs. Torquay Smiles is the best place for APIA health insurance members to save..

    • Priceline Health Insurance

      PricelineThe pink card of Priceline Health saves you 10-25% less than normal dental charges – and you can use your general dental and major dental with us. Most Priceline Health Members will not pay any out of pocket for check up, clean and Xrays.

    • logo ING

      ING Health

      ING Bank has launched ING Health – and we accept their dental plans. Learn more about the benefits of ING Health Insurance, and how to save 10-25% on your dental costs, on their website. Then head to Torquay Smiles to save.

    • AAMI Health Insurance

      aami logoCar insurance giant AAMI also offers Health Insurance. This Health Fund gives you an up front discount, and pays a portion of your treatment, up to your annual limits for your health fund. Torquay Smiles is the place to use your AAMI Health Insurance – one of our preferred dental health funds.


      smile logo
      Our clinic is an approved partner with As such, you will save big on your dental costs. Savings can be as much as $60 on a filling or $300 on a crown – which is a major saving. Other services are between 15% and 40% off our normal price for Members. The Smile Membership is really a great money saving offer. Its annual – and it has no waiting period. And it can even be combined with your current health insurance to save you even more (even if your fund is not a partne fundr). Partner health funds are listed below (if you are one of these funds, you are already a member with and will automatically get the lower pricing.

    • GMHBA

      Geelong based health fund GMHBA is a partner with so we offer you prices that are up to 40% lower than other dentists in the area. GMHBA membership gives you the lower prices automatically (even on their lower level covers). And then they pay the benefits you are entitled to when we swipe your card. Its a great way to save, when you have the regions most popular health fund, GMHBA.

    • AIA Health Insurance / AIA Vitality

      AIA Vitality
      A partner fund with AIA Health Fund, this fund has some amazing benefits like lower pricing, higher percentage back, and no out of pocket on check up, clean and Xrays. You also earn points with some of the AIA Vitality memberships, which gives you other healthy benefits. Just ask us to fill in your points registration form when you come for your 6 monthly check up and clean to get the full benefits of the AIA Vitality benefits at your dentist. Find out more about AIA Vitality Dental Cover and benefits.

    • Peoplecare

      This nationwide health fund, PeopleCare (also known as Lysaght Health fund) are partners with
      As a Smile member, you automatically get lower prices on all dental services. And then we swipe your card, and the fund pays the benefits according to your level of cover, and benefit limits available. Even if you had been unlucky enough to max out your health fund benefits, you still save 15% – 40% off your dental costs with Torquay Smiles – one of very few dentists with Peoplecare partnership in the Geelong, Barwon and the Surf Coast region. Even if you have just joined Peoplecare, you can get the lower prices from day 1.

    • Frank

      No frills – reduced bills – thats the Frank way. And with your Frank Health Insurance, you get lower prices here at Torquay Smiles. As Frank members are automatically enrolled in – with nothing else to do – you can save up to 40% on your dental costs. Just tell us you are a Frank member when you book, and bring your health insurance card to your appointment. And we help with the rest with our handy HICAPS machine with on-the-spot claiming. Saving you time, and a whole lot of money. That’s Frank – and Torquay Smiles.

    • Health Care Insurance (HCI)

      Health Care Insurance
      The HCI Fund – or Health Care Insurance as its known, is a partner with us – through their automatic pricing policy. Saving you money when you have your treatment with us. We can also swipe your Health Insurance card on the spot, and you just pay the even smaller gap – thanks to negotiated pricing.


      This is a division of HealthCare Insurance (HCI). So membrets get lower prices, and save up to 40% on dental costs at Torquay Smiles. We also process on the spot claims to cover your benefits from the fund – to save you time and money. You don’t need to do anything – members are already members.

    • MyOwn

      MyOwn health insurance members, get the benefits of GMHBA and AIA Vitality – and the reduced dental prices here at Torquay Smiles. So if you have MyOwn Health Insurance on the Surf Coast – you know where to come to save 15-40% on your dental costs.

    • Australian Unity

      Australian Unity is one of Australia’s leading health funds, and returns some of the highest percentages of Health Insurance premiums back to members – through programs like which Australian Unity members in Torquay, Geelong region and the Surf Coast can access here at Torquay Smiles. We give Australian Unity members cheaper prices on all dental services. And it often means you save 15 – 25% off dental needs – PLUS claiming a higher percentage back with member dentists like Torquay Smiles. Make your appointment today, mentioning you are an Australian Unity member, and save with us.


Health Funds Torquay Smiles | (03) 4224 9014