It’s possible to spread the cost of your dental surgery over more than one claim period. This is particularly relevant if you intend to receive your dental treatment around the renewal date for your particular health insurance policy. The renewal date is the date on which a health policy changes over to a new financial year, re-setting all annual benefit limits.  Some funds renew on January 1, while others do so on April 1 or July 1.  If your treatment is scheduled around your fund’s renewal date, it may be possible to claim some parts of the treatment in one financial year and the final costs in the next one.