Health funds
Health funds we accept
We accept all health funds with HICAPS on-the-spot claiming. HICAPS works with every Australian private health insurer, so we can claim with almost any fund, including the funds listed below. Bring your card and pay only the difference on the day.
Which major health funds can you claim with?
Y3 Smiles Dental is part of the nib First Choice network, and we claim on the spot with all of these funds, along with the others listed below.
What is the full list of funds I can claim with?
These private health funds participate with HICAPS. Names are listed as HICAPS shows them.
- AAMI Health Insurance
- ACA Health Benefits Fund
- ADF Family Health
- ahm
- AIA Health
- APIA
- Australian Seniors
- Australian Unity
- Bupa
- CBHS Corporate Health
- CBHS Health
- CUA Health
- Defence Health
- doctors' health fund
- Emergency Services Health
- frank
- GMHBA
- GU Health
- HBF
- HCF
- Health Partners
- healthcare insurance
- HIF
- Hunter Health Insurance
- IMAN
- ING
- Latrobe Health Services
- Medibank
- Mildura Health Fund
- Navy Health
- nib
- onemedifund
- Peoplecare
- Phoenix Health Fund
- Police Health
- Qantas Insurance
- Queensland Country Health
- Real Insurance
- Reserve Bank Health Society
- RT Health
- St.LukesHealth
- Suncorp Health Insurance
- Teachers Health
- Territory Health Fund
- TUH Health Fund
- Uni Health Insurance
- Union Health
- Westfund
Fund list from HICAPS, checked 17 September 2026. Some funds don't allow every service to be claimed through HICAPS. If that happens, we give you an itemised receipt so you can claim yourself.
How does claiming work at the clinic?
At the end of your appointment we claim your benefit through HICAPS, and you pay any difference by EFTPOS or card. Your receipt lists the ADA item numbers. With general dental extras cover, check-ups and cleans are usually gap free, depending on your level of cover. See using your health fund for how to check your rebate before treatment.
Common questions
My fund is not on this list. Can I still claim?
Probably. Bring your card and we will try it through HICAPS. If it cannot be claimed on the spot, we give you an itemised receipt with item numbers so you can claim from your fund yourself.
Do I need to bring my card?
Yes, your physical card or your fund's digital card. We need it to claim on the spot.
Does being on this list mean my treatment is covered?
No. It means we can claim with your fund. What you get back depends on your policy, your annual limits and any waiting periods. Ask your fund, using the item numbers on your treatment plan.
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