So you’re young, fit and healthy — but Medicare doesn’t cover all of the services that help you to maintain your health and wellness, such as general dental, optical, physiotherapy and natural therapies. GU Health extras cover does!
With the right extras cover you can access a range of services that can help you to live well. We’re here to help you choose a level of extras cover that meets your health and lifestyle goals and saves you money.
Make claiming on your extras easy by registering for our FastBack service. Once you sign up for FastBack, we’ll pay reimbursements directly into your bank account. Plus, if you’ve provided us with your mobile number, we’ll even send you an SMS as soon as your claim is paid.
On-the-spot claiming is available through most HICAPS providers. HICAPS allows you to simply swipe your GU Health Member Card at the end of your consultation or treatment, automatically deducting your benefit entitlement from the amount you’ve been charged. Then, all you have to pay is the difference.
To find providers who have HICAPS facilities, use our 'Find a provider' search tool.
If you’re having trouble getting your GU Health member (HICAPS) card to work, try referring to some of the common reasons why HICAPS may not be working.
Depending on your level of cover, and if your provider has the appropriate facility, you can claim these services through HICAPS:
For specific details in relation to the services available under your cover, please refer to your GU Health member booklet.
Download and complete a claim form and return to us with your itemised accounts and / or Official Pharmacy Receipts.
If you’re not claiming through HICAPS, simply complete the claim form and attach your itemised accounts and / or Official Pharmacy Receipts. You can send us your claim form and itemised account or Official Pharmacy Receipt via email or post.
If you're signed up to our FastBack service, we'll make the payment directly into your nominated account; otherwise we'll send you a cheque.
Where there is an unpaid amount owed to the provider, a cheque will be made out and sent directly to them.
Here are five common reasons why you may be unable to use your HICAPS card:
If your HICAPS transaction doesn't work you can pay for your consultation or treatment upfront and then submit a claim form with a copy of your itemised accounts and / or Official Pharmacy Receipts for a post-treatment reimbursement. You can also scan and email your receipts.
If a provider is registered with Medicare or their relevant industry body, they're referred to as a registered provider. By ensuring a provider is registered, we can be confident that you're receiving a high standard of service from a practitioner with all the right training and qualifications.
You have the freedom to visit a registered provider of your choice. GU Health does not restrict the amount you can claim back on a particular service based on a ‘preferred provider’ list — what you can claim back is based on the terms of your extras cover policy.
If you're a provider and you would like to register with GU Health, please complete the provider registration form.
Our covers offer a percentage-of-cost benefit, which means you can claim back a percentage of the amount you paid for your service, up to your annual limits, regardless of the cost. For example, if your extras cover has a percentage-of-cost structure of 80 per cent, you can claim back most of the total cost of your treatment up to your annual limit. Plus, there are no hidden benefit sub-limits.
Some corporate covers, specifically tailored by employers, are structured differently, so please refer to your Online Member Services for more details.
You'll need a letter from your doctor explaining why the treatment or aid is required. It will need to specify that the treatment or aid:
Your Member Booklet provides information on what you are entitled to claim. You would have received this booklet in your GU Health Welcome Pack. If you need a new copy, please contact your Member Relations Team or go to Online Member Services.
You can also find and update the details relating to your cover, such as mailing address, FastBack details, membership and excess years and your remaining benefit limits, in Online Member Services.
Grand United Corporate Health Limited (GU Health) ABN 99 002 985 033 is a registered health insurer. A subsidiary of nib holdings limited ABN 51 125 633 856. © Grand United Corporate Health Limited 2018.