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 iSOFT 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 iSOFT 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 or iSOFT facility, log onto

Online claiming

To use our online service, log in to Online Member Services and follow the steps to submit a claim. You can claim for services like general dental, optical, physio, chiro, massage and acupuncture and many others. You can claim up to $400 per day on services received up to three months before the day you lodge your claim.

Simply enter the details from your receipts and click on the submit button - that's it! Any benefit entitlement will be then paid into your nominated bank account, usually within two business days.

You don't need to submit your receipts with your claim but we may request them for review, so we ask that you keep them for 12 months from the date of claiming.

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 along (including your bank account details) and receipts to Please keep your original receipts as we may request them.

Face to face

We have dedicated retail centres available in Townsville (Aitkenvale), Mount Isa, Ayr and Mackay (Caneland Central) where our friendly staff can help you out with claims or other policy 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 account details and receipts. 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 bank 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.

To update your bank account details to receive your claim, please call 1800 813 415.

The video above mentions the Gladstone retail centre. This retail centre is no longer operating.