Understanding HCF
HCF is one of Australia’s well-established private health insurance providers, originally launched in 1932 to offer coverage to citizens across the country. Over time, it has grown into one of the most recognised organisations, serving as both a registered private health fund and a provider of life insurance.
Dental Care for HCF Members
HCF provides benefits for a wide range of dental services, including both general dental and major dental treatments. General dental services cover routine care essential for maintaining oral health, while major dental services focus on more complex procedures.
By visiting a dental clinic that participates in the HCF More For Teeth Program, eligible HCF members may access dental treatments with capped fees, depending on their level of cover.
At Kensington Smiles
We are proud to participate in the HCF More For Teeth Program, helping eligible HCF members access quality dental care with transparent pricing.
We provide tailored treatment plans focused on restoring oral health, function, and confidence. Fees are set in line with HCF’s program requirements, with any out-of-pocket costs determined by the individual member’s level of cover.
We are one of the leading dental clinics in Melbourne, partnered with HCF. Our practice follows HCF’s set pricing for treatments, ensuring transparent and fair costs for patients. Any additional expenses depend on the level of HCF cover held by the individual.
When you may need general or major dental services covered by HCF
- Treatment for cavities requiring fillings
- Tooth removal to prepare for dentures or alignment treatments
- Custom-fitted mouthguards for sports activities
- Preventive treatments to minimise the risk of cavities or other dental concerns
- Tooth-coloured fillings for a seamless appearance
- Root canal procedures to address infections in tooth roots
Our Melbourne dental team provides care across general dentistry, cosmetic dentistry, gum care, and children’s dentistry, while participating in the HCF More For Teeth Program.
What Treatments Are Covered by HCF?
Our Experienced Team Provides the Following Services Covered by HCF

Consultations and check-ups

Custom-made mouthguards

Direct fillings

Scale and clean treatments

Tooth extractions

Root canal procedures

Indirect tooth-coloured fillings

Dental crowns

Complete dentures

Dental bridges
For further information, feel free to contact us or give us a call!