How to claim on Health Insurance
Claim on extras treatments
Extras treatments include things like dental, optical, physiotherapy, remedial massage and acupuncture.
We are currently experiencing a higher volume of claims than normal so most claims will be paid into your nominated bank or credit union account account within 5 business days. You’ll receive an SMS to let you know when payment has been made.
Ways to claim
On the spot
If your extras provider has a HICAPS or CSC machine, simply swipe your Australian Unity membership card on the spot.
Once your claim is authorised, you simply pay any difference between the Australian Unity benefit and your provider’s fee.
App or online
You can claim back up to $300 for most extras services and have the claim processed immediately by using the ‘Claim now’ option in the mobile claiming app or ‘Claim online’ option online.
Otherwise, simply upload photos of your receipts using the ‘Easy Claim’ option (mobile app) or ‘Quick Claim’ (online) and we’ll do the rest.
Log in to your account to submit your claim.
By phone
If you have questions or need help filling out your claim form, call Australian Unity to get your claim processed over the phone:
-
1800 807 144
Monday to Friday, 8:30am to 5pm AEST
Mail, email or fax
- Complete a health cover claim form.
- Attach your receipts to the form.
- Send the completed form and receipts to Australian Unity (you can find the reply paid address, email address and fax number on the claim form).
Due to the Stage 4 restrictions in Melbourne, we may not be able to process any mail received. To find out how best to contact us during these times visit australianunity.com.au/covid-19-health
Claim on emergency ambulance
Depending on your level of hospital cover, you may be able to claim for emergency ambulance transportation or for ambulance attendances where you are not taken to hospital.How to claim
- Complete a health cover claim form.
- Attach your ambulance receipt to the form.
- Mail or fax the completed form and receipt to Australian Unity (you can find the reply paid address and fax number on the claim form).
Once your claim is approved, the money will be credited to your nominated bank or credit union account and you’ll receive an SMS to let you know when payment has been made.
Note that if you haven’t nominated an account for your claims payments, you can do that here.
Claim on hospital procedures
The hospital procedures (including day surgeries) that you can claim on will vary depending on your level of cover:Accommodation and theatre fees
Most private hospitals and day facilities have an agreement with Australian Unity, which guarantees that you’ll be covered for 100% of the accommodation and most other services like theatre fees.
Search the list of agreement hospitals
In most cases, the hospital will bill Australian Unity directly, and all you’ll need to pay is any excess or co-payment that applies to your cover.
Medical costs
The way you claim the bills from your surgeons and other doctors will vary depending on whether they’re participating in Australian Unity’s Gap Cover scheme.
Participating doctors
Will send your bill to Medicare and Australian Unity for payment. You’ll only receive a bill if there is any money still owing after Medicare and Australian Unity have paid your doctor.
Non-participating doctors
Will present you with a bill for payment. You then need to
If your surgeon requests full payment up front, you can follow the process described above for non-participating doctors. Just provide Medicare and Australian Unity with proof that the bill has been paid, and they’ll issue the cheques in your name.