Health insurance claims

Claim electronically

Great news! Our members with Essentials cover can now claim ancillary benefits on the spot - simply swipe your member card at the point of service. 

A range of health providers* now offer e-claiming including dentists, opticians, physiotherapists, chiropractors, podiatrists (excluding surgery), dietitians, osteopaths and occupational therapists.

*Your provider will need to be registered for electronic claiming, so you may wish to contact them to confirm.

Benefits payable

If you claim electronically, your benefits will automatically be deducted from the provider fee.

Claim at a branch

To lodge your claim and receive your benefits on the same day, simply drop into your local branch and our member service representatives will process the claim for you.

Benefits payable

Once your claim is processed, your benefits will be paid to you in cash, or by cheque in some circumstances.

Claim by mail

If you would like to claim by mail, simply download and complete a claim form.

To enable us to process your claim efficiently, please ensure:

• You have completed all the questions; and
• Your membership is paid until at least the date of treatment.

Please also ensure you also attach:

• The original account(s) you received from your health care provider; and
• The original receipt(s) if you paid your provider.

Then, post your claim to: HBF, GPO Box S1440, Perth WA  6809.

NB: If you have claimed from Medicare for in-hospital medical services please also include the Medicare Statement.

Benefits payable

Once claims are received and processed, your benefits can paid in two ways:

•  By direct credit* to your financial institution (two working days); or
• By cheque (seven working days). 

*To register for direct credit, please call 133 423 or email memberservices@hbf.com.au