How to Claim

Making a health insurance claim at HIF is as easy as falling off a log (only far less painful). In fact, the toughest bit is choosing from our host of convenient ways to make your claim – via our HIF Member mobile app, by email, by mail or instantly with eClaiming for Extras services, or direct via HIF for hospital and medical claims (see below). In any case, it’s quick and easy. You’ll have your benefit in no time, and we offer some of the most competitive benefits in Australia.

• Download a claim form - you can type into this form and save a copy.

Extras Claims

For Extras Cover, there are four ways you can claim:

Claim on the spot: You can claim instantly for Extras services using your HIF member card. Simply swipe it through the e-terminal at your health service provider and your benefits will be deducted from the fee automatically. You then just need to pay any additional out-of-pocket expenses (if there are any). To find your nearest Extras provider with eClaiming facilities, please visit the HICAPS website. If your provider doesn't offer an eClaiming facility, you can still fast-track your claim by choosing one of the methods below.

Claim online at a time that suits you:

When lodging a claim, you must ensure the following details and documents are included: (claims received without these details will be returned unprocessed)

• The member's full name
• The patient's name
• The healthcare provider's name
• The member's signature
• An itemised account (original copy)
• The receipt (if paid).

Please also note:

• We will retain all documents relating to a claim.
• All claims must be lodged within two years of the date of service.
• Claims for services older than two years will not be processed.

Hospital and Medical Claims

Hospital: When admitted to a hospital as a private patient you will be asked to pay the excess (if applicable). After this payment all hospital accounts will be directly forwarded to us on your behalf. Should you receive a hospital account, please post it directly to us at: HIF, Reply Paid X2221, Perth, WA 6847. Find your nearest hospital.

Medical: Doctor's accounts may include your surgeon, specialist, anaesthetist and assistant surgeon. Find your nearest doctor.

Download a claim form

Our new and improved claim form now makes it even easier for HIF members to submit a health claim. Simply open the form on screen, type directly into the fields within the PDF and then print it out. Easy! You can also save a copy of each completed claim form for future reference. NB: Please remember to sign each new claim form before sending a copy to HIF.

• Download an HIF claim form.
• Download a Medicare claim form.

• Please ensure you send all doctors accounts to HIF not Medicare (claims sent to Medicare first are not eligible for any AccessGap payments). Accounts are to be sent in with claim forms for both Medicare and HIF.
• Medical claims can be sent by post or presented in person at our head office, though please be advised that we cannot provide immediate payment for AccessGap accounts presented in person.
• Inpatient pathology and radiology accounts can either be submitted to HIF or Medicare first. A claim form for both HIF and Medicare are required when submitting these accounts.
• Our HIF Member app is only available for Extras claims. To submit a medical claim, please complete a claim form.

When lodging a claim, you must ensure the following details and documents are included: (claims received without these details will be returned unprocessed)

• The member's full name
• The patient's name
• The healthcare provider's name
• The member's signature
• An itemised account
• The receipt (if paid).

Please also note:

• We will retain a digital copy of all documents relating to a claim.
• All claims must be lodged within two years of the date of service.
• Claims for services older than two years will not be processed.

Register for Direct Credit and get your rebates paid straight into your account

If you register for Direct Credit, we’ll pay your benefits directly to your nominated bank account. No more cheques. No more bank queues. Easy.

• If you're not an HIF member yet but intend to join in the future, you can nominate your bank account for Direct Credit during the online application process.
• If you are already an HIF member who hasn't registered for Direct Credit yet, please get in touch and we'll be happy to update your preferences.

If you need assistance with making a claim at any time, please get in touch and we'll be happy to help.