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You might need to make a claim after going to hospital, being transported in an Ambulance or using a service from your Extras cover. There are a few different ways you can claim, depending on the service and your chosen health provider.

On the spot: If you have your membership card with you, many of our Extras providers can process your claim immediately at your appointment so you’ll only need to pay the difference of what’s owing.

Online: You can go to our online Claim Form complete the details and upload your Extras or Ambulance receipt in a few easy steps

In a branch: You can always visit us in person with your Membership Card and your original receipts and we’ll take care of the rest.

Email: Send your original receipts to [email protected]

By post: Send your original claim form and original receipts to Hunter Health Insurance, P.O. Box 183, Cessnock NSW 2325

Before making a claim you’ll need to make sure that you:

• have provided us with your bank details so we can pay your claims.
• are covered for that treatment or service and have served any relevant waiting periods
• have already had the treatment or service and are submitting the claim within 2 years of the service date.

If you are having treatment in hospital, there’ll likely be different parts involved in claiming. Usually, the hospital where you’ve had your treatment will take care of claiming for the costs for things like accommodation, theatre-room hire and prostheses.

You will be given a claim form to complete and sign, and the hospital will then send the bill to us. If there’s an excess, or any other out-of-pocket expenses, you’ll usually pay the hospital directly.

There are also medical costs, like surgeons and anaesthetists, not handled by the hospital. Your doctor and anaesthetist will create their own invoice and you’ll need to first claim through Medicare who’ll give you a Medicare Benefit Statement.

We require this Medicare Benefit Statement so we can process our portion of the claim. Sometimes your doctor and anaesthetist will lodge your claim to Medicare and Hunter Health Insurance on your behalf, so ask your practitioner about their billing so you know what to do next.

Claiming on your ambulance cover

If you need to make an Ambulance claim, you can do it through:

• Online
• In a branch; or
• By post

Ambulance cover will vary from state to state:

NSW & ACT members

If you live in New South Wales or Australian Capital Territory, a levy is included in the hospital component of your private health cover. This entitles you to free ambulance transport under the State Government Ambulance Transport Schemes.

If you are sent an invoice for ambulance transport, send it to us and we will settle it. If you have pension or social security entitlements in NSW or the ACT complete that section on the back of the invoice and return it to the ambulance service.

If you fall outside the State-based arrangement for ambulance services and are not otherwise covered, you can claim under your Hunter Health Insurance cover for State Government-provided emergency ambulance services.

Claims that are not paid on the spot will normally take up to 7 business days to be processed and paid into your chosen bank account.