There are a couple of different ways you can claim on services through your cover.

On-the-spot claiming

If your healthcare provider has a HICAPS or HealthPoint electronic claiming facility, you can claim at the time of your consultation – before you even leave the building. The system processes your claim much like an EFTPOS transaction and allows you to just pay the difference and your claim is finalised on-the-spot.

You can use HICAPS or HealthPoint at most of the following health service providers:

  • Dentists, endodontists, periodontists, dental prosthetists/advanced dental technicians, prosthodontists and paediatric dentists
  • Dispensing optometrists, optical dispensers
  • Physiotherapists
  • Chiropractors
  • Osteopaths
  • Podiatrists
  • Occupational therapists
  • Psychologists
  • Dietitians
  • Speech therapists
  • Remedial massage of myotherapists
  • Acupuncture and chinese medicine practitioners
  • Audiologists

Please contact your healthcare professional to see if they offer the HICAPS or CSC HealthPoint facility at their practice.

Online claiming

Online Claiming through Online Member Services is currently not available. We are in the process of updating our Online Member Service portal. Claiming can still be completed online via the Mobile App.

Mobile Claiming App

Our app offers all Members a 24 hour a day, seven days a week full viewing access to your Membership. You can lodge claims directly to us by simply taking a photo of your receipt/s and pressing submit. Download it today for an easy, convenient and secure way to manage your membership.

Claiming by email

Email is a fast and convenient way to submit your claim. Just download and complete a claim form, and send a scanned copy of the form (including your financial institution account details) and receipts to Please keep your original receipts as we may request them.

Receiving benefits

Simply submit your claim through one of the methods above and your benefits will be paid directly into your nominated financial institution account, usually within two business days of the claim being processed. This service lets us pay your claim quickly and securely so you can access your money as soon as possible.

To update your financial institution account details to receive your claim, please call 1800 623 893.

Claiming for hospital services

Most hospital claims are settled directly with the hospital after your treatment (once your appropriate excess has been paid, and not including things like phone calls, TV hire, newspapers, parking etc). If you need to submit a hospital claim to us, you can fill out a digital claim form or print one out and email it to us at