Health insurance membership cards now available on Apple devices

What’s changing?

iPhone and Apple Watch users can now claim by tapping their Apple device on HICAPS terminals instead of swiping a plastic card. This option is available to eligible members of Bupa, Medibank, nib, GU health, HBF, AHM and Westfund. It's so simple!


How to process claims with Apple devices

To process a claim with an iPhone or Apple Watch users can follow these easy steps.

  1. Patients can access their pass (digital card) from their Apple Wallet. This can be done on:
    • an iPhone with Face ID or an Apple Watch – simply double click the side button.
    • an iPhone with Touch ID – simply double click the home button from the lock screen.
  2. Patients can then select their health fund membership card from their Apple Wallet.

  3. Patients hold their device (iPhone or Apple Watch) near the terminal* reader.

If the patient has multiple members on their card they can get their Patient ID by tapping the ellipse (°°°) or from their health fund's app.

Now just start the claim transaction in the normal way!

*Please note: The Terminal must be active to read the digital card.

Need more help? Explore our detailded instructions on Find out processing a HICAPS transaction for iPhone or Apple Watches (PDF, 353KB).

Frequently asked questions

From 27th of July 2021, patients will be able to claim at a HICAPS terminal using their iPhone or Apple Watch.

Currently Bupa, Medibank, nib, Westfund, GU Health, HBF and AHM have enabled digital cards (both iOS and android).

Health fund members can add their pass (digital card) to their iPhone or Apple Watch via their Health Insurer’s iPhone app. Eligible patients will receive information from their health fund on how to access their membership card from the Apple Wallet.

An eligible member of participating health funds will only be able to use their digital card at registered providers that have HICAPS terminals.

We have a step by step guide to assist with digital card processing.

Please Note: The terminal must be active (not in sleep mode) to read the digital card. 

Once a patient’s claim has been processed successfully, the HICAPS terminal will display a ‘claim approved’ message.

There may be several reasons why a claim has been declined. If the HICAPS terminal does not provide an error response or the patient disputes this, get the patient to check directly with their health fund.

Yes, we can arrange for one to be mailed out to you. Simply email us at