Get cover to suit your budget and lifestyle.
HICAPS: how it works and where it can be used
Rather than wait to be reimbursed, HICAPS lets you claim benefits on the spot.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Rather than submitting your extras claim online and waiting to get reimbursed, HICAPS lets you claim your benefits there and then at the healthcare provider. Lots of providers have a HICAPS machine these days and it can be used for several different services including dental, chiro and physio.
What is HICAPS?
HICAPS is an acronym for Health Industry Claims and Payments Service. It’s an electronic health claims system that allows you to claim Medicare, WorkSafe Victoria, or private-health Extras benefits at the time of payment.
When a service provider gives you the bill for your treatment, you hand them your Medicare, WorkSafe Victoria, or health-fund membership card, and they swipe it through an electronic HICAPS machine. The machine then automatically processes your claim. If you are claiming from your health fund, its contribution will be processed on the spot, and you pay the remaining gap if applicable.claim.
HICAPS covers most ancillary services from a variety of providers including participating doctors, dentists, optometrists, chiropractors and physiotherapists.
HICAPS is a service provided by most Australian health funds. These include:
What services can be claimed on HICAPS?
The following list summarises the services that can be claimed through HICAPS by some of the leading health funds.
|Health Fund||Acupuncturist||Dietician||Exercise Physiologist||Myotherapist||Naturopath||Occupational Therapists||Psychologist||Remedial Massage Therapist|
|ahm health insurance|
|Qantas Health Insurance|
|Australian Defence Force Family Health|
|CBHS Health Fund|
|Emergency Services Health|
|Grand United Corporate Health|
|Health Care Insurance|
|Latrobe Health Services|
|Mildura Health Fund|
|Nurses & Midwives Health|
|Peoplecare Health Insurance|
|Phoenix Health Fund|
|Queensland Country Health Fund|
|RT Health Fund|
|Doctors' Health Fund|
If you appreciate the convenience of paying for your extras treatments via HICAPS you’re going to love the new HICAPS Go app.
Recently launched in Melbourne, HICAPS Go is a one-stop healthcare app that allows you to locate practitioners, get quotes, pay for your consultation and claim your private health benefit all from your smartphone or mobile device.
What is HICAPS Go?
HICAPS Go takes the current NAB-owned HICAPS payment and claiming terminal system to the next digital level. Developed in partnership with Medipass, an Australian tech firm specialising in digital health payment solutions, HICAPS Go currently has over 400 practitioners on its platform.
The service focuses on allied health professionals such as physiotherapists, chiropractors, myotherapists, osteopaths, podiatrists and remedial massage therapists in the greater Melbourne area and there are plans to expand this to include dentists and optometrists as well.
While the current HICAPS service manages patient claims and payments through a terminal installed in the practitioner’s clinic, HICAPS Go is a digital platform that runs either through the practitioner’s PMS (Payment Management System) or via the Medipass portal on their PC or mobile device.
Only Medibank Private and AHM are currently available on the app, but the developers are in discussions with the other funds and expect more to be onboard very soon.
Benefits of HICAPS Go
The app has a range of benefits for both patients and practitioners.
Benefits for patients include:
- Find a preferred provider in your area using location services
- Get a quote and see your benefit contribution and any out-of-pocket costs upfront
- Make an appointment and manage your booking
- After the consultation, instantly claim your benefit and pay only the gap portion
Benefits for practitioners include:
- Reduced administration time, freeing you up for more time with patients
- Improved patient trust through greater cost transparency
- No additional transaction charge for existing HICAPS customers
How to get HICAPS Go
Existing Medibank and AHM customers can start using HICAPS Go straight away. Simply download the app from the Apple App or Google Play store. You will need to have iOS 8.0 or later for Apple devices or 4.1 or later for Android users.
Then just enter your private health membership details and credit or debit card payment details. Once your account is set up, you can start making claims and payments immediately on your device simply by tapping “Approve” once a practitioner has created a claim.
More guides on Finder
Which insurers are doing health cards in Apple Wallet?
Australian iPhone users can finally access digital health insurance cards, but only some funds are offering them.
Medical expenses up 8.3% – how can you avoid being stung?
Out-of-pocket medical expenses have shot up by 8.3% for private healthcare patients, according to new figures from APRA.
Optical inclusion: Extras cover the top reason for taking out health insurance, survey finds
Extras cover is the number one drawcard for Australians who take out private health cover, new research from Finder, Australia’s most visited comparison site, reveals.
Neglected your extras health insurance? Here’s how you could claim $500 back before 2021
Time is running out to make the most of your extras - but with a little effort, it's definitely possible.
Huge progress as telehealth gets to stay post-Covid
Health minister Greg Hunt has confirmed that Australia will get to keep Medicare-funded telehealth even after the pandemic.
How much does IVF cost in Australia?
A single IVF treatment typically costs over $8,000 in Australia. Here’s how Medicare and private health insurance can help.
As restrictions ease, Aussies can start claiming on their health insurance
Here's how to start making the most of your health insurance again.
Health funds freeze prices in fight to keep customers
Major insurers are postponing the planned price hike. Here's why you should care.
Do you have health insurance? Because it’s about to get more expensive
Health insurance is going up on 1 April 2020. Here are some tips on avoiding the price hike.
Health insurance premium rates are rising in Australia
Get the lowdown on what's happening, so you can get a better deal on your health insurance.
Save on your health insurance
Ask an Expert