Claiming info

If your provider has a HICAPS machine, just swipe your see-u by HBF (or CUA Health) card, and voilà—your claim’s sorted on the spot. You’ll only need to cover the gap.

No HICAPS? No stress. Pay your bill, then send us the invoice, and we’ll refund your claim straight into your bank account. You can do this through the see-u Health App, Online Member Services, or by mail. If you’re claiming online or through the app, simply snap a photo of your invoice, make sure your policy is paid up to date, and you’re good to go.

If your doctor treats you under the Access Gap Cover Scheme, chances are you won’t even see a bill—it’s all sorted between the provider, Medicare, and see-u.

If the Scheme doesn’t apply, follow the steps:

1. Pay the treatment cost upfront- not fun we know, bear with us,
2. Submit your bill and a two way claim form (here) to Medicare- you can do this through your mygov account or call Medicare
3. Medicare will do their thing, processing any amounts your due back from them.
4. Medicare will then send us the rest of the bill,
5. We will do our thing and procees any amounts you can claim from us (Pending your policy details)
6. By the time it all gets back to you, the only amount outstanding should be any excess or co-payments.

If you need help with this process or want to understand more about it, chat with our team via phone 1300 499 260 or flick us an email info@seeuhealthinsurance.com.au

For hospital accommodation, it’s even simpler. The hospital will deal with us directly, so you can focus on resting up and getting back to your best.

Don’t forget to take your see-u (or CUA Health) member card to your appointment. If your practitioner has HICAPS, you can claim on the spot and just pay the gap—too easy!

It’s also a good idea to always check you benefit limits before going. You can do this by Calling, checking Online Member Services or, checking your handy dandy see-u app.

No HICAPS? No worries. Just pay for your treatment, grab a receipt (Make sure it has the provider’s name and ABN on it, and you’re all set. You can claim your Extras benefit through the see-u Health App, Online Member Services, or even by mail.

A gap (aka out-of-pocket) is the part of a medical bill you'll need to cover after Medicare and/or private health fund have chipped in

With all of see-u’s Hospital Cover options, ‘gap cover’ is included. If your doctor and hospital treat you under the ‘Access Gap Cover Scheme,’ you’ll have little to no gap to worry about. You really should check out more info on the scheme (money saver)- Changes to Access Gap Cover Scheme | see-u

Before any procedure (especially surgery), it’s smart to ask your doctor or provider for an estimate of any out-of-pocket costs. Better to know upfront than be surprised later!

• You’ll need to have served any waiting periods.
• Make sure your premiums are paid up to date.
• You can only claim after the service has been provided and paid for (no early claims for upcoming procedures).
• Claims must be lodged within two years of the service date.