Your eyes, teeth and gums are just important to your overall health. So with SmartCare 5 you’re covered for the costs of dental and optical care.

Dental care

You’re covered for up to 80 per cent of the cost – up to $500 a year. Dental care includes examination, cleaning, scaling, x-rays, fillings and teeth removal. Major oral surgeries are already covered under SmartCare 1. Orthodontic treatments are covered after three years on SmartCare 5 as a reward for your loyalty.

Orthodontic treatments in the first three years and orthognathic (maxillofacial) treatments are not included, although some of these treatments might be covered under 
SmartCare 1.

Optical care

You’re covered for:

• Optometrist and orthoptist visits of up to $60 a visit, up to $300 a year
• Glasses and contact lenses when there’s a change in prescription of up to 
  $300 a year.

With SmartCare 5 there’s a stand-down of three months before a claim can be made but you won’t pay any excess on claims.