Your payment plans at a glance
| Plan | Best for | Terms |
|---|---|---|
| Humm (National Dental Plan) | Larger treatments | Interest-free instalments, plans up to 24 months |
| Zip | Mid-size treatments | Covers up to $5,000 over a convenient 12-month period |
| Afterpay | Smaller treatments | Split into 4 instalments |
| TWS direct plan | Clear aligners | Up to 10 months, no interest, immediate approval, no paperwork |
| Health insurance | Everyone with extras cover | HICAPS claims processed; we help maximise your benefits |
Not sure which fits? Tell us your situation at your free consultation - we'll lay out your options with a clear quote, no pressure.
Estimate your repayments
Estimates only, based on even instalments over each plan's maximum term. Actual repayments, eligibility, limits and any account fees are set by each provider - we'll confirm exact figures at your consultation.
Humm - National Dental Plan
We provide interest-free instalment plans to help you manage the cost of more extensive treatments. With Humm, you can spread the cost of costly procedures over instalments, with payment plans extending up to 24 months, allowing you to prioritise your oral health without compromise.
Zip
We also collaborate with Zip, which covers expenses of up to $5,000. Zip offers a convenient 12-month payment period, giving you the flexibility to handle expenses within a manageable timeframe.
Afterpay
For smaller treatments, we provide the convenience of Afterpay. Split your payments into four instalments, making routine dental care easily accessible without immediate financial strain.
Direct clear-aligner payment plan
Our clinic offers a hassle-free payment solution directly, tailored for those seeking simplicity and immediate approval without the need for additional paperwork. This no-interest payment plan allows you to spread your clear-aligner expenses over a comfortable period of up to 10 months.
Ideal for international students facing documentation limitations or anyone looking to bypass extensive paperwork - our immediate approval process ensures a swift and stress-free experience. Learn more about Invisalign and clear aligners.
Insurance assistance - all Australian health funds via HICAPS
We accept a wide range of dental insurance plans and will work closely with you to maximise your benefits. Through HICAPS, which has partnered with 100% of Australian private health insurers, we process your claim on the spot - you only pay the gap.
Health fund participation information and logos provided by HICAPS. All fund names and logos are trademarks of their respective owners. See hicaps.com.au for the current list of participating funds.
From Medibank, Bupa, HBF, HCF and nib to the smallest boutique funds - the full list is in the FAQ below.
Don't forget: new patients with private health insurance can have a no-gap check-up and clean.
Frequently asked questions
Do payment plans cost more than paying upfront?
The Humm and TWS direct aligner plans are interest-free, so you pay the treatment price spread over time. Each provider has its own terms, which we'll walk you through clearly before you commit - no surprises.
Can I combine a payment plan with my health insurance?
Yes - your insurance rebate applies to your treatment, and a payment plan can cover the remainder. We process HICAPS claims and will help you understand exactly what your fund covers before treatment begins.
How do I get started with a payment plan?
Just mention it at your consultation. We'll give you a clear quote for your treatment, run through the plan options that suit its size, and in most cases - including our direct aligner plan - you can be approved and start treatment the same day.
Which health funds can I claim with at The Warm Smile?
All of them - through HICAPS, which partners with 100% of Australian private health insurers, we process on-the-spot claims for: Medibank, Bupa, HBF, HCF, Australian Unity, CBHS Health, nib, Navy Health, St Lukes Health, Defence Health, GMHBA, Frank Health Insurance, Teachers Health, HIF, ahm, GU Health, Queensland Country Health Fund, Phoenix Health Fund, ACA Health, see-u by HBF, TUH, Mildura Health Fund, Peoplecare, Health Care Insurance (HCI), onemedifund, Latrobe Health Services, Health Partners, Police Health, Doctors' Health Fund, RBHS, Westfund, ADF Family Health, AAMI, CBHS Corporate, Suncorp, Territory Health Fund, IMAN Australian Health Plans, Union Health, RT Health, AIA Health Insurance, UNI Health, Apia, Qantas Insurance, Emergency Services Health, Hunter Health Insurance, ING, Real Insurance, Australian Seniors - and any other Australian health insurer. You only pay the gap on the day. The always-current list is on the HICAPS participating health funds page.
What if I don't have private health insurance?
No problem - the TWS new patient check-up and clean is available for $250, and every payment plan above works without insurance.