If your cover has an excess, you will need to pay it directly to the hospital before or on admission.
Our contracted hospitals usually charge us directly and we’ll advise you when we’ve paid the invoice on your behalf. If this is not the case, you can submit the Medicare Statement of Benefits along with a completed claim form via any of the following channels.
You may receive separate invoices from the hospital, each of your doctors, and each of the other medical practitioners, or some of these services may be grouped on a single invoice. Your claim will be paid directly into your bank account.
If you doctors or specialist has agreed to charge you under the Access Gap Cover Scheme, they'll usually send invoices directly to us and we’ll pay them for you.
If your doctor doesn't use Access Gap Cover, they may send you the invoice instead. You can take this to Medicare and then to us for payment. Just use our claim form and make sure you include the “Statement of Benefits” from Medicare with your claim. Medicare will pay 75% of the Medicare Benefits Schedule (MBS) Fee and we will pay the remaining 25% of the MBS Fee. You will need to pay any amount the doctor charges above the MBS Fee.
Other medical practitioners
Other medical practitioners will usually send you an invoice for payment, which you should submit with your claim to Medicare along with any payment receipts. There are two ways you can do this:
We have a great range of hospital covers, so you can pick the one that suits your lifestyle and budget.With extras you can claim for services such as dental, optical, physio and massage. We have a great range of covers, so you can pick the one that suits your lifestyle and budget.
(*) Prices include direct debit discount. (R) Restrictions apply. Sub limits may apply on extras products, click on for more details. Set extras benefits apply per service and vary depending on cover. Waiting periods may apply. Your rates may differ based on your Lifetime Health Cover loading (LHC). Actual rates may differ from those stated by up to 5c due to rounding increments.
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