Payment options
Flexible ways to plan for treatment.
Your treatment plan comes with a clear, itemised estimate. If it suits you, you can choose to spread the cost with a third-party payment plan. Our concierge team can explain the options available.
Payment plans
Payment plan providers
Available for eligible treatment, subject to each provider's approval.
humm
Spread the cost of eligible treatment over regular instalments. Approval, limits, fees and terms are set by humm.
Afterpay
Pay for eligible treatment in instalments. Spending limits and late fees may apply. Approval and terms are set by Afterpay.
- Zip
Zip
Instalment options through Zip Pay and Zip Money. Account and establishment fees may apply. Approval, limits and terms are set by Zip.
MediPay
Payment plans for medical and dental treatment. Approval, fees and terms are set by MediPay.
- Lifestyle Credit
Lifestyle Credit
A finance option for health and lifestyle expenses. Approval, fees and terms are set by the provider.
Superannuation
Early release of superannuation
In limited circumstances, the Australian Taxation Office (ATO) may allow early release of superannuation on compassionate grounds to pay for medical or dental treatment. The treatment must be needed to treat a life-threatening illness or injury, or to alleviate acute or chronic pain or an acute or chronic mental illness, and not be readily available through the public health system.
Treatment for purely cosmetic reasons is not eligible. The ATO, not ReSmile, decides whether an application is approved.
Before you apply
- Withdrawing super reduces the savings available for your retirement and may affect insurance held through your fund.
- We recommend seeking independent financial advice.
- Supporting clinical reports are required. Your clinician will only provide a report where treatment is clinically appropriate.
- You can apply directly through the ATO at ato.gov.au, or use a provider such as those listed here. Providers may charge fees for their service.
SuperCare
SuperCare helps eligible people prepare and lodge an application to the Australian Taxation Office (ATO) for early release of superannuation on compassionate grounds to pay for medical or dental treatment.
ReSmile is affiliated with SuperCare. You are free to apply directly to the ATO or use any other provider. We recommend seeking independent financial advice before applying.
Fund My Dental
Fund My Dental helps eligible people prepare and lodge an application to the Australian Taxation Office (ATO) for early release of superannuation on compassionate grounds to pay for dental treatment.
FAQs
Fees & payment questions
Is there a fee for the consultation?
Consultation fees depend on the type of assessment and any records needed, such as X-rays or 3D scans. Our concierge team will confirm the fee with you when you book, so there are no surprises.
Will I know the cost before treatment begins?
Yes. Before any treatment starts you will receive a written treatment plan with an itemised estimate. If your plan changes, we will explain why and provide an updated estimate before proceeding.
Can I claim through my health fund?
Some treatments may be partly claimable if you have private health insurance with extras or major dental cover. The amount depends on your policy and level of cover. We can provide item numbers so you can check with your fund before treatment.
Are payment options available?
Yes. Third-party payment plans such as humm, Afterpay, Zip, MediPay and Lifestyle Credit may be available for eligible treatment, subject to each provider's approval, fees and terms. See Payment options or ask our concierge team.
Can I use my superannuation to pay for treatment?
In limited circumstances, the Australian Taxation Office (ATO) may approve early release of superannuation on compassionate grounds for medical or dental treatment that is needed to treat a life-threatening illness or injury, or to alleviate acute or chronic pain or mental illness. Treatment for purely cosmetic reasons is not eligible, and the ATO decides every application.
Withdrawing super reduces your retirement savings, so we recommend independent financial advice. Read more on our Payment options page.
Enquire
Questions about fees or payment?
Our concierge team can talk you through your estimate and the payment options available, with no obligation.
Start your enquiry