Member Updates

Making a claim is easy! Here are three things to check before you make a claim.

  1. Check your cover. The  fund rules and your product guide outlines exactly what you are and what you’re not covered for. The product guide has handy information about annual limits and item limits on extras cover, inpatient/outpatient hospital services, and the clinical categories included in your cover.
  2. Check your remaining limits We know you won’t always remember what you’ve already claimed in the financial year, so check what limits you have remaining on your extras cover.
  3. Get a benefit quote  If you have a quote for your extras service, you can check how much we’ll cover and what your out-of-pocket expenses will be.

How to make a claim 

Extras claims

No matter how you claim, always keep your receipts for two years.

 The easiest ways to make an extras claim.

  1. On the spot claiming. Just swipe your member card on the terminal available at most extras providers. It will apply your Defence Health benefit for the service and all you do is pay any remaining gap.

  2. Express Claim. You can submit your claim via the Member Portal, for the fastest refund using the Express Claim option. Most ‘Express Claims’ are paid into your nominated account within 1-2 business days. Not all extras can be claimed via Express Claims. Here is a full list of what you can claim via this option:
  • General dental
  • Major dental (Excluding orthodontics)
  • Optical
  • Speech Therapy
  • Physiotherapy
  • Occupational therapy
  • Dietician
  • Chiropractic / Osteopathy
  • Psychology
  • Audiology
  • Podiatry
  • Eye Therapy
  • Health and Wellbeing (Excluding test and Programs)

 Defence Health Mobile Claiming App – You can download the Defence Health app from Apple and Google Play store. Current processing times are between 5-7 business days with payment expected in your account 1-2 business days after that.

Other options to claim:

Defence Health Mobile Claiming App – You can download the Defence Health app from Apple and Google Play store. Current processing times are between 5-7 business days with payment expected in your account 1-2 business days after that.

Manual claims

  1. Or complete a claim form and submit it through one of these channels:
  2. Email it with your accounts and/or receipts to claims@defencehealth.com.au
  3. Fax it with your accounts and/or receipts to 1800 241 581.
  4. Post it and your original accounts and/or receipts to Defence Health, PO Box 7518, Melbourne VIC 3004.
  5. Attach your original accounts and/or receipts and take them to an Australian Military Bank branch. They will fax your completed claim form and receipts directly to us. A similar service is also provided by Defence Bank, but only if you are a Defence Bank customer.

Hospital claims

If you’re going into hospital, we want to make it as easy as possible for you, so you can focus on your health and recovery. Call us before you go to hospital and we can talk you through planning your visit, what’s covered and how to minimise costs using our Access Gap program.


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