Payment Methods
We welcome various payment methods for your convenience, including cash, health funds, credit/debit cards, BSB transfers, as well as Afterpay and Zip Pay. For more information, please feel free to contact us at (02) 9558 8988 or via email at info@painfreedentistsydney.com.au. We're here to help!
Upfront Payment/Health Insurance
If your health insurance includes dental coverage, your insurer will contribute a portion of the treatment costs according to your policy. Before starting any treatment, we will provide a detailed treatment plan outlining item codes and fees. You can use this plan to request an insurance rebate estimate directly from your insurer. The amount you’ll need to pay out of pocket will depend on the specifics of your coverage.
For patients without dental insurance, we can discuss your individual circumstances and explore other suitable payment options.
Early Release of Superannuation
Disclaimer: Pain Free Dentist Sydney does not provide financial advice. Before making any decisions regarding the withdrawal of your superannuation, please consult with a financial advisor or the Australian Taxation Office (ATO).
As an option, you may be eligible to access your superannuation early under compassionate grounds to cover necessary medical treatment or medical transport expenses for yourself or a dependent. Eligibility is assessed under the definitions set out in the Superannuation Industry (Supervision) Act 1993.
If you’re considering early super release for dental treatment, the ATO will only approve it on compassionate grounds if all the following conditions are met:
Condition 1 – Eligibility Under Medical Grounds
You must meet the criteria for the compassionate ground you’re applying for—specifically, medical treatment or medical transport.
To qualify for medical treatment, both of the following must apply:
Sub-condition 1: You or your dependent requires treatment to address a life-threatening illness or injury, to alleviate acute or chronic pain, or to manage acute or chronic mental illness.
Sub-condition 2: The required treatment is not readily available through the public health system.
Condition 2 – Expense Has Not Been Paid
The expense must be unpaid at the time of application. You will not be eligible if the cost has already been covered via loan, credit card, or other means.
Condition 3 – Financial Hardship
You must be unable to afford part or all of the cost without accessing your super. This includes being unable to obtain a loan, use savings, or sell investments/assets.
Condition 4 – Residency
You must be a current or former citizen or permanent resident of Australia or New Zealand.
Condition 5 – Required Supporting Evidence
You must provide both clinical and financial documentation to support your application. Incomplete submissions may result in delays or rejection.
Financial Evidence: Submit a detailed treatment plan, itemised quote, or unpaid invoice showing the amounts and treatment descriptions.
Clinical Evidence: Two (2) medical reports are required:
One from a registered Dental or Medical Specialist in the relevant field.
One from a Dentist or Medical Practitioner.
Both reports must be signed, dated, and completed within six months of your application.
Please be aware that serious penalties apply if you attempt to access your super unlawfully or provide misleading information. This could result in the withdrawn amount being added to your taxable income, triggering extra tax, penalties, and interest. It may also impact your Centrelink or other government benefits.