How to makea claim

How to claim on your extras, hospital or ambulance cover

We go all out to make claiming fast and hassle-free. If you’re unsure about your entitlements check your cover or call us on 13 13 34.

For more detailed information on claiming, log in to member services and go to Claims

Extras

  1. On the spot
    Many providers can claim your benefit electronically. All you have to do is pay the difference.
  2. HCF mobile app
    Take a photo of your receipt and submit your claim.
  3. Online
    Available on selected extras. Log in to member services and go to Make an online claim. Then post the original receipt to us to complete your claim. 
  4. At a branch
    Simply present your membership card and original receipts.
  5. Post
    Download a claim form or call us on 13 13 34 to request one. Send the completed form, and your original receipts, to:
    HCF, GPO Box 4242, Sydney NSW 2001. 

Hospital

The hospital will give you a claim form to complete and sign – they’ll then send the bill to us. If there’s an excess, or gap, you’ll generally pay the hospital directly.

Doctors bill separately. If you were treated under the HCF Medicover agreement the bill(s) will come to us. If not, you can submit your claim at any HCF or Medicare branch.

Ambulance

Ambulance services are billed differently across Australia:

NSW
Call the number on the reverse of your bill to give NSW Ambulance your health fund details. They’ll claim from us directly.

Or, if you have a pension or social security entitlement, complete that section on your bill and return it to the ambulance service.

ACT
If you’re sent a bill, send it (and a completed claim form) to us: HCF, GPO Box 4242, Sydney NSW 2001.

Or, if you have a pension or social security entitlement, complete that section on your bill and return it to the ambulance service.

Queensland & Tasmania
You should be covered under your state-based ambulance scheme. If you’re not, send the bill to us: HCF, GPO Box 4242, Sydney NSW 2001.

Victoria, SA, NT & WA
If you don’t have an ambulance subscription to your state ambulance service, send the bill to us: HCF, GPO Box 4242, Sydney NSW 2001. 

Related documents

HCF Membership Guide

3.6MB PDF