See more helpful articles in Claims:


Before you get started

To help make the claiming process as easy and quick as possible, here's a few things to check before you start a new health claim.

Claim your way and we'll look after the complicated stuff.

  • HBF App: Download from the App Store or Google Play.
  • myHBF: Claim online through myHBF.
  • Branch: Drop into your nearest branch. Note: Cash is not issued in HBF branches.
  • By Mail: Return a claim form by mail to HBF, GPO Box 1440, Perth WA 6845
  • On-the-spot: Swipe or tap your member card at a participating provider terminal to receive your benefit instantly.

If you’ve had a hospital procedure, in most cases your claim will be submitted directly to us for processing.  Once we receive the invoice from the private or public hospital, we will process your claim within ten business days. Just keep in mind, you will be charged for any out-of-pocket expenses.

If you do need to submit a claim for any in-hospital medical services, make sure to provide us with your Medicare Statement of Benefit.

If you’re unsure why you might have received a bill or whether your claim has been processed, please contact us.

Most extras providers (like dentists, optometrists and physiotherapists) will give you the option to ‘claim on the spot’ through a participating terminal. You’ll simply need to swipe your HBF member card when you pay to receive your rebate straight away.

If your provider doesn’t offer a participating terminal, you can submit your claim by submitting your invoices and receipts directly to us via any of our online channels, via mail or at your nearest branch.

Once we’ve received your claim, we’ll process it within seven business days. Any benefit will be paid into your nominated bank account.

If you need to make a compensation claim for injury or loss due to a workplace accident, motor vehicle accident, medical negligence or public liability, you can submit your claim via the following methods:

For more information on how HBF pays compensation claims, please refer to the ‘Making a Compensation Claim’ PDS

Yes, you can download a copy of your claims history statement by logging into myHBF or by calling us on 133 423.

When you log into myHBF you can download your claims history statement using the following steps:

  • Navigate to the drop-down arrow next to your name in the top right-hand corner
  • Select ‘Request a document’
  • Select ‘Claims history’ in the document type section
  • Select the member name and the relevant date range
  • Select ‘Create document’

After you have requested or downloaded a claims history statement via myHBF, you can also access it at your convenience through the HBF App:

  • Select ‘Profile’ from the nav bar at the bottom of the screen
  • Select ‘View documents’ for all claims-related documents

Online claiming is only available to the policy owner, partner of the policy owner or a member who is an authorised representative and has been assigned authority to manage another member's policy. These members can submit claims for both themselves and other members on their policy.

Note: Dependants with authority to submit claims are not able to use online claiming and must use other claiming methods.

The email confirmation with the statement of benefits will be sent to the policy owner and attached to the owner's myHBF. Note: This is the case even if the partner submits the claim.

Providers cannot lodge an online claim on behalf of a member.

 


Open the HBF app or login to myHBF to see a full list of your past claims.

Once submitted and we receive all the paperwork, your claim will be processed within ten business days. We’ll contact you by email or mail to let you know if your claim has been approved and, if applicable, how much we’ll be paying towards your claim.

If approved, you can expect the funds to be deposited into your nominated bank account within two business days.

Note: If you made a claim on-the-spot using HICAPs, your benefit was automatically deducted from the provider’s fee.

Your claim may have been rejected for several reasons, including if:

  • you haven’t finished serving your waiting periods
  • you’re behind in paying your premiums
  • there was a mistake in your claim or you didn’t supply the right documentation
  • your claim is over two years old
  • your claim needed to be submitted to Medicare first
  • the treatment isn’t covered by your policy
  • you’ve reached your annual limit for a service on your HBF extras cover
  • we’ve already paid your claim.

If your full claim has been rejected, we’ll send you an email or letter explaining the reasons and any further action you need to take. If part of your claim has been rejected, this will be detailed on your HBF Benefit Statement.

Note: If you submit your claim in-person or by mail, we will need to keep the claims documents for our records. If you need to keep the documents, please make copies before submitting your claim.

Explore our Help Centre

heartbeat

Health insurance explained

Gold, Silver, Bronze and Basic cover explained, what is an excess and more.

avatar

Managing an existing policy

Make changes to your policy, order a member card and more.

claims

Claims

When you can start claiming, telehealth and more.