Now we’re down to the business end of things – how can you claim on services? We’ve got six options available, so you can choose your preferred method.

* Please note that the above video mentions the Gladstone Retail Centre. This Retail Centre is no longer operating.

On the spot claiming

If your healthcare provider has electronic claiming facility (HICAPS/IBA), 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, so your claim is finalised on the spot.

You can find HICAPS/IBA claiming points 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

To see if your healthcare professional offers the HICAPS facility, simply log onto

Online claiming

Once you've been with Queensland Country Health Fund for more than 3 months, you're eligible to use our Online Claiming service.

To use this service, log in to Online Member Services where you will find instructions on how to submit your claim.

Depending on your level of cover, you can claim for many services like general dental, optical, physio, chiro, massage and acupuncture, to name just a few! You can claim up to $400 per day on services received up to three (3) months before the day you lodge your claim.

Once you've entered details from your receipts and clicked on the submit button, your claim is then complete. Any benefit entitlement will be then paid into your nominated bank account within a few days.

Receipts are not required to be submitted with your claim. However we may request them for review and ask that you keep your receipts for twelve (12) months from the date of claiming. 

Please review the terms and conditions of Online Claiming before lodging your claim.


Claiming by email

Email your claimEmail is a fast and convenient way to submit your claim. You simply need to download and complete a claim form, and send a scanned copy of the form along with the relevant accounts and receipts to Please keep your original receipts as they may be requested.

Face to face

We have dedicated retail centres available in Townsville (Aitkenvale and Willows Shopping Centre), Mount Isa, Ayr and Mackay (Caneland Central) for Members to process your claim, usually while you wait, as well as helping out with any enquiries. Simply present your claim form with your provider account or receipt and we’ll take care of it for you.

Over the counter

We work closely with Queensland Country Credit Union, which means you can drop off your claim form along with your receipts to any credit union branch. These claims are then forwarded through to the Health Fund for processing.

Claiming by fax

If you prefer to submit your claim by fax, simply download and complete the claim form and fax it to us on (07) 4412 3500 along with your relevant accounts and receipts. Please retain your original receipts as they may be requested.

Claiming by mail

Claims can also be accepted by mail. Download and complete the claim form, and send the form along with the accounts and receipts to the following address. Please remember to keep copies of your paperwork.

Queensland Country Health Fund
Claims Department
PO Box 42

Receiving benefits

If you’re submitting your claim over the counter, by fax, email or mail, you will receive your benefits directly to your nominated bank account.

Direct credit: A benefit can be paid directly into a Queensland Country Credit Union account or to any nominated financial institution account. Simply complete the claim form with your account name (in full), the BSB and account number and benefits will be paid directly into that account, usually within 48 hours 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.

Queensland Country Health Fund no longer pay benefits by cheque. To update your bank account details to receive your claim, please call 1800 813 415.