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Your guide to making a claim, from what to do first to the easiest ways to get your benefit back.
Once you’ve had a treatment, you might need to submit a claim to us to get your money back. The claiming process will depend
on where you received your treatment.
If you’ve had a hospital procedure your claim will be submitted directly to us in most cases, although you will be charged
for any out-of-pocket expenses before you leave, for example your policy excess. If you’re unsure why you might have
received a bill or whether your claim has been processed, please contact us.
If you’ve had treatment with an extras provider (like a dentist, optometrist or physio), you’ll generally be able to claim
on the spot through a system called HICAPS. Swipe your HBF member card when you pay and you should receive your rebate
Log into myHBF and follow the prompts to upload your health provider’s
account and receipts, and your Medicare Statement of Benefit if you’ve claimed from Medicare for in-hospital medical
services. Your benefit will be paid into your nominated bank account or by cheque if you haven’t set up direct credit.
If you claim electronically, your benefits will automatically be deducted from the provider fee, so you'll only ever pay
the difference between the provider's fee and the HBF benefit.
Make a health claim in myHBF
Download the HBF Health app for free, take a photo of your treatment account and receipt and upload it to claim. Your benefit
will be paid directly into your nominated bank account.
Drop into an HBF branch with your member card and original account and receipts.
Depending on your claim type our team will then organise for your benefit to be paid directly into your nominated bank
account that day, although any hospital and medical accounts need to be sent to our head office for processing. Cheques
are no longer issued in HBF branches.
Find your closest HBF branch
Download and complete a claim form and attach the original account(s) and receipt(s) you received from your health care provider, and your Medicare statement
if you have claimed from Medicare for in-hospital medical services.
Post your claim to HBF, GPO Box 1440, Perth WA 6839
Don’t forget to complete all the questions and make sure your membership is paid up until at least the day of your treatment.
We’ll process online claims within two days for ancillary treatment and ten working days for hospital and
medical treatment. Once your claim is complete you’ll receive a Statement of Benefit notification by
email or letter, summarising the benefit HBF has contributed towards the claim. It may also include your cheque if you
haven’t registered for direct credit.
Once your health claim has been fully processed you’ll receive your benefit within two working days to your
nominated bank account, or seven working days if you’ve requested a cheque.
Don’t forget to check that your current direct credit details are up to date in myHBF.
Check your payment details in myHBF
If you received treatment in a Member Plus hospital, or made a claim electronically via myHBF or the HBF Health app,
we’ll have received it automatically. If you mailed your claim, contact us and we can confirm if we have it.
The Extras services that your policy covers have annual maximum claim limits. Find out the balance on your remaining Extras
limits by contacting us.
For most treatment covered by your Extras policy, use our Quote Calculator tool to find out how much you’ll get back.
For more in-depth treatment (like a hospital procedure), ask your health provider for their provider number, treatment
item numbers, the total cost, and where the treatment is being carried out.
Use our Quote Calculator tool to find out how much you’ll get back
Login to myHBF to see a full list of your past claims.
Login to myHBF to view your claims history online
Your claim may have been rejected for a number of reasons, for example:
If your claim is rejected you will receive an email or letter notification explaining the reasons and any action you
Register or confirm your details for direct credit in myHBF to have your claim benefits paid directly into a nominated
You may also email Member Services for more information?
Please note we only pay for claims made within two years of the date you had your treatment.
After your hospital and medical claims (from doctors and specialists) have been processed, we’ll send you statements
showing what has been paid on your behalf.
You can login to myHBF before treatment to use our Benefit Quote tool
and find out how much you can get back and any out-of-pocket costs on Extras and dental claims.
If you have recently lodged a compensation claim for injury or loss due to:
Please complete the member Compensation Claim form and mail
it to GPO Box H548, Perth WA 6841 or contact us on 133 423.
The Making a Compensation Claim PDS gives a simple explanation
of what you can expect from HBF regarding the payment of your medical bills while your compensation claim is in progress.
We make life easier with our hassles-free claim lodgement process which is available 24/7 for home, car and travel insurance
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