Claim with 100% of Australian private health insurers

We make processing claims easier for patients and health practitioners Australia-wide.

Private health claims with HICAPS

Claim with any Australian private health insurer

Process claims at the time of care with just a swipe or tap of your patient’s health insurer card.

Fast payments made easy

Quotes, claims and payments are done on the spot, so there’s no follow-up admin and less time spent chasing unpaid bills.

Less admin work

Integrate HICAPS with your practice management software to record your claims and payments automatically. No need to manually type anything.

Same day EFTPOS settlements

Get paid the same day with an eligible NAB Business Everyday Account.¹

Tap and claim without the hold up

Patients can tap their digital health insurance card using their iPhone or Apple Watch with selected private health insurers², or swipe their physical card or scan their insurer’s QR code at the HICAPS terminal.
Their claims are sent to their health insurer for approval.
The patient pays any gap fee with their card, all using the same HICAPS Terminal.

Explore HICAPS Terminal

Every health insurer, every day of the week

We partner with every Australian private health insurer so more patients can claim on the spot. Process eligible claims across physio, dental and a wide variety of allied health services.

Claims for overseas workers, students, and visitors

Process overseas health cover claims and payments through your HICAPS Terminal, just like any other claim. No extra admin for you and a hassle-free experience for your patients.

Check overseas visitor item numbers

Reliable payments for every merchant

The right payment to the right account

Each merchant’s payments go directly to their account. No need for manual transfers or reconciliation.

Learn more about Multi-merchant

Payments you can count on

Keep your cash flow moving with payments every day, including weekends and public holidays. If you settle into an eligible NAB account before 9.30am AEST/AEDT time, you’ll get your money that day.²

HICAPS works where you work

HICAPS terminal works away from the desk, so you can process payments and claims wherever you work. Connect using Wi-Fi or the built-in 4G sim when you’re out and about.

Mobile claiming is available with participating health insurer and for eligible services.

View supported mobile claims

Ready to get started with HICAPS?

Whether you're starting a new practice or upgrading an existing one, find the solution that best suits your claiming and payment needs.

HICAPS Terminal

Accept in-person claiming with Australian private health insurers and Medicare.

Apply now

HICAPS Digital

Save time by managing the entire claiming process online, from eligibility checks to invoices

Apply now

We’re here to support you

Telehealth claims

Telehealth claiming is available across selected allied health professions, including physiotherapy, psychology, exercise physiology, podiatry, speech pathology, occupational therapy and dietetics.

View participating insurers

Claiming and processing times

HICAPS processes payments and claims 24 hours a day, 7 days a week.

Most health insurers process claims 7 days a week, but operating hours vary. To find out when a claim is processed, check with the health insurer.

Find your insurer operating hours

Support hub

Access guides and how-to information for using HICAPS and managing claims.

Visit support hub

Get in touch

Our Australian-based support team is here to help with setup, troubleshooting and everyday questions.

Call us on 1800 805 780

Frequently asked questions

Not every health fund allows for every service to be processed through your HICAPS terminal. See the list below for a list of services that can be claimed per health fund.

HICAPS participating health funds service list (PDF, 996KB)

HICAPS participating health fund for remedial massage therapist (PDF, 831KB)

If your patient has either overseas visitor health cover or overseas student health cover, you can process a claim by following these simple steps:

After consultation swipe the patient’s private health insurance card through the HICAPS terminal.
Enter the patient’s claim details into the HICAPS terminal or PMS.
Once authorised, the patient can then pay the gap amount (if there is any).
Like all claims with HICAPS, we’ll deposit a consolidated settlement within one to two business days.

*Please note that claiming when the terminal is using a mobile network or Wifi is not available from the following insureres except for the following modalities:

AHM: only available to participating Chiropractors, Dentists, Dieticians, Exercise Physiologists, Occupational Therapist, Podiatrists, Optometrists, Osteopaths, Physiotherapists, Psychologists and Speech Therapists.

Australian Unity: only available to participating Chiropractors, Dentists, Dieticians, Exercise Physiologist, Occupational Therapist, Optometrists, Osteopath Podiatrists, Psychologists, Physiotherapists and Speech Therapists

BUPA: only available to participating Chiropractors, Dentists, Dieticians, Exercise Physiologists, Medical Practitioners, Occupational Therapist, Podiatrists, Optometrists, Osteopaths, Physiotherapists, Psychologists and Speech Therapists

HCF: Only available to participating Chiropractors, Dentists, Dieticians, Exercise Physiologists, Occupational Therapist, Optometrists, Osteopaths, Physiotherapists and Speech Therapists.

La Trobe Health Services: only available to participating podiatrists, physiotherapists and psychologists.

Medibank Private: only available to participating: physiotherapists, psychologists, podiatrists, occupational therapists and chiropractors.

TUH: only available to participating dentists, physiotherapists, psychologists, podiatrists, osteopaths, optometrists, occupational therapists, chiropractors, acupuncturists, dietitians, speech pathologists and exercise physiologists.

Note: the times listed below are when the health funds are generally available to process claims through a HICAPS terminal – these times may change. To confirm, we recommend contacting them directly.

Health fund operating hours (PDF, 35.7KB)

Fund	Health Fund Name Abbreviations	Monday-Friday	Saturday	Sunday
ACA Health Benefits Fund	ACA	24 hours	24 hours	24 hours
ADF Family Health	ADF	8.30am – 5.00pm	8.30am – 5.00pm	-
ahm Health Insurance	AHM	6.00am – 11.00pm	6.00am – 8.00pm	6.00am – 8.00pm
Australian Unity	AU	7.00am – 10.00pm	7.00am – 10.00pm	7.00am – 10.00pm
BUPA	BUPA	24 hours	24 hours	24 hours
CBHS Friendly Society	CBHS	24 hours	24 hours	24 hours
CBHS Corporate	CBHCRP	24 hours	24 hours	24 hours
Credicare Health Fund	CHF	24 hours	24 hours	24 hours
Defence Health	DEF	24 hours	24 hours	24 hours
Doctors Health Fund	DHF	6.00am – 10.00pm	6.00am – 10.00pm	–
Emergency Services Health	ESH	24 hours	24 hours	24 hours
GMF	GMF	6.00am – 10.00pm	6.00am – 10.00pm	–
GMHBA	GMHBA	24 hours	24 hours	24 hours
Grand United	GUH	6.00am – 10.00pm	6.00am – 10.00pm	6.00am – 10.00pm
HBF (WA time)	HBF	24 hours	24 hours	24 hours
HCF	HCF	24 hours	24 hours	24 hours
Health.com.au	NIA	24 hours	24 hours	24 hours
Health Care Insurance (Tas time)	HCI	24 hours	24 hours	24 hours
Health Partners (SA time)	HPI	24 hours	24 hours	24 hours
HIF of WA (WA time)	HIFWA	24 hours	24 hours	24 hours
Hunter Health Insurance	CDH	24 hours	24 hours	24 hours
Latrobe Health Services	LHS	24 hours	24 hours	24 hours
Medibank Private Limited	MBP	5.00am – 23.59pm EST	5.00am – 23.59pm EST	5.00am – 23.59pm EST
Mildura Health Fund	MDH	24 hours	24 hours	24 hours
My Own Health Insurance	AIA	24 hours	24 hours	24 hours
Navy Health	NAVY	24 hours	24 hours	24 hours
NIB Health Funds Ltd	NIB	6.00am – 9.00pm	6.00am – 9.00pm	6.00am – 9.00pm
Nurses & Midwives Health	NMH	24 hours	24 hours	24 hours
Onemedifund	OMF	6.00am – 10.00pm	6.00am – 10.00pm	–
Police Health (SA time)	PHF	24 hours	24 hours	24 hours
Phoenix Health Fund	PHNX	24 hours	24 hours	24 hours
Queensland Country Health (Qld time)	QCH	24 hours	24 hours	24 hours
RB Health Society	RBHS	6.00am – 10.00pm	6.00am – 10.00pm	–
rtHealth Fund	RNT	6.00am – 10.00pm	6.00am – 10.00pm	–
St Lukes Health (Tas time)	STL	24 hours	24 hours	24 hours
Teachers Federation Health Ltd	TFH	24 hours	24 hours	24 hours
Teachers’ Union Health	TUH	7.00am – 10.00pm	7.00am – 10.00pm	24 hours
Transport Health	TFS	24 hours	24 hours	24 hours
Westfund	WDH	6.00am – 10.00pm	6.00am – 10.00pm	–

Need a hand? We’re here to help. You can call us Monday to Saturday 8am – 9pm EST on 1300 65 08 52.

HICAPS terminals can process up to 24 item numbers in one transaction. However, the actual number of items per transaction can vary from health fund to health fund.

Once the patient’s health fund is swiped through the terminal, the screen will display the maximum number of items available.

The list below details the maximum number of items accepted by each health fund.

Maximum item number guide (PDF 66KB)

Fund	Card Prefix	Number of items accepted	Contact phone Monday – Friday	Contact hours Monday – Friday
ACA Health Benefits Fund	90360012	21	1300 368 390	9.00am – 5.00pm
ADF Family Health	90360109	23	1300 561 454	8.30am – 5.00pm
ahm Health Insurance	90360041	24	1300 309 710	8.30am – 5.00pm
APIA	90360002	24	1800 175 377	9.00am – 5.00pm
Australian Unity	90360008	24	13 29 39	8.30am – 8.00pm
Budget Direct	90360042	24	03 5225 3658	8.30am – 5.00pm
BUPA	90360006	16	13 41 35	8.00am – 8.00pm
CBHS Health Fund Limited	90360009	24	02 9843 7624	8.15am – 5.00pm
CBHS Corporate	90360139	24	02 9843 7624	8.15am – 5.00pm
see-u by HBF (Qld time)	90360045	16	1300 499 260	8.00am – 5.00pm
Defence Health	90360020	23	1800 335 425	8.30am – 5.00pm
Doctors Health Fund	90360005	23	1800 226 126	8.30am – 6.00pm
Emergency Services Health	90360140	23	08 8212 2770	9.00am – 5.00pm
Frank Health Insurance	90360042	24	1300 437 265	8.00am – 6.00pm
GMHBA	90360042	14	1300 446 422	8.00am – 6.00pm
Grand United Health	90360043	15	02 9370 6787	8.30am – 5.00pm
HBF (WA time)	90360025	23	1800 620 133	8.30am – 5.00pm
HCF	90360015	16	02 9290 0152	8.30am – 4.30pm
Health Care Insurance	90360013	23	03 6432 1199	8.45am – 5.00pm
Health.com.au	90360125	23	1800 199 802	8.00am – 6.00pm
Health Partners (SA time)	90360024	24	08 8223 7588	8.00am – 5.30pm
HIF of WA (WA time)	90360026	16	1300 134 060	8.30am – 5.30pm
Hunter Health Insurance	90360058	23	024990 1385	8.30am – 5.00pm
Latrobe Health Services	90360038	16	1300 362 144	9.00am – 5.00pm
Medibank Private Limited	90360004	16	1300 654 887	8.00am – 4.30pm
Mildura Health Fund	90360048	9	03 5023 0269	8.30am – 5.00pm
My Own Health Insurance	90360138	23	1300 300 338	9.00am – 5.00pm
Navy Health	90360010	23	03 9896 9300	8.30am – 7.00pm
NIB Health Funds Ltd	90360002	22	1300 853 530	9.00am – 5.00pm
Nurses & Midwives Health	90360142	23	1300 344 000	9.00am – 5.00pm
OneMedifund	90360088	23	1800 148 626	8.30am – 5.00pm
Peoplecare	90360016	23	1800 808 690	8.30am – 5.00pm
Police Health	90360021	23	08 8212 2770	8.30am – 5.00pm
Qantas Assure Health Insurance	90360002	22	1800 175 377	9.00am – 5.00pm
Phoenix Health Fund	90360019	23	02 4935 5738	7.45am – 4.30pm
Queensland Country Health (Qld time)	90360022	23	1800 813 415	8.30am – 5.30pm
Reserve Bank Health Society	90360089	23	1800 027 299	8.30am – 5.00pm
RT Health Fund Ltd	90360084	23	1300 886 123	8.30am – 5.00pm
St.LukesHealth	90360044	23	1300 651 988	9.00am – 5.00pm
Teachers Health Fund	90360011	16	1300 727 538	8.00am – 5.00pm
Teachers’ Union Health	90360018	23	1300 806 808	7.30am – 5.30pm
Territory Health Fund	90360022	23	1800 623893	7.30am - 5.00pm
Transport Health	90360056	23	03 8420 1880	8.30am – 5.00pm
Uni Health	9036001	24	1300 727 538	8.00am – 5.00pm
Westfund	90360096	23	1300 937 838	8.00am – 5.00pm

We're a part of NAB

Being part of NAB gives HICAPS the strength and security of a leading Australian bank, with access to broader banking and specialised finance options through NAB Health and Medfin, helping us support healthcare businesses beyond payments.

Key Information:

¹ 'Same day settlement' refers to the timing of us making funds visible and available to you when you settle to a NAB Business bank account. This means that you can draw on your money as soon as you can see it in your account.

²Digital health fund membership cards on iPhone and Apple Watch are available to eligible members of Bupa, Medibank, nib, GU Health, HBF, ahm, Westfund and Australian Unity.

The NAB Business Transaction Account is subject to the NAB Business Product Terms & Conditions and the Business Banking Fees, which can be accessed on NAB’s website nab.com.au/businesstc. Fees and charges apply. The Target Market Determination for this product is available at nab.com.au/TMD. This product is issued by National Australia Bank Limited ABN 12 004 044 937 AFSL 230686.