FAQs

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About private health insurance

 What’s the best way to compare covers?

Review our comparison tables easily online by clicking either Singles, Couples or Families. From there you’ll get a nice visual comparison of three covers to choose from.

Confused about where to start? Give us a buzz on 1800 808 700. We know health insurance inside and out and because we love the personal touch we’re always happy to chat about your choices and help out by comparing your health cover. 

What’s the best way to find the right cover?

Finding the right health cover can be tricky. And it can be even more confusing trying to compare your cover with another policy.

We can help in a few different ways. Firstly, every health fund has a one page summary of every product in a standard format, to help you compare them side by side. You can easily get this Standard Information Statement (SIS) from the Private Health Insurance Ombudsman’s website at privatehealth.gov.au.

If you’d like some personalised help, we’re just a phone call away. Our new member experts are happy to help you choose the right level of cover for you, and can help you compare your old cover so you know exactly what you’re covered for. Just give us a call on 1800 808 700. After all, what have you got to lose?!

 How can I join?

Select either Singles, Couples or Families on the floating dark purple navigation bar at the top of your screen to join.

Why not road test our amazing customer service by calling 1800 808 700

 How do I transfer from another fund?

Just give us the details when you join and we’ll take care of it all for you. Too easy!

Online Member Services

 How do I register for Online Member Services?

Just enter some of your basic details here and you’re on your way.

 How can I login to Online Member Services?

You’ll always be able to find the green login button at the top right of your screen. To save you scrolling up, here’s the page you need

Manage your cover

How do I change my cover?

You can change your cover any time you like.

You can do it online or if you need a hand finding the right cover for you, use our handy Cover Chooser.

Of course, if you'd rather have a chat about it, just give us a buzz on 1800 808 690.

If you’re upgrading your cover, you may have waiting periods for things you weren’t covered for before. 

 How can I make a payment?

Set up regular direct debits:

The easiest way to pay your premiums is through a regular direct debit from your account. This makes sure your membership is kept up to date and you don’t have to remember to make your payments because they come out of your account automatically on the day you choose.

It's easy to set up your direct debit in the Online Member Services. On the Payments screen, click the green ‘Change’ button. This is where you can add or update a direct debit, change your payment dates and change the payment frequency.

 

Other payment options:

Pay by credit card online or over the phone, BPay or cheque.

 

Make a one-off payment:

You can also make credit card payments through Online Member Services to pay your cover’s outstanding balance or to a date in the future. Click to the Payments page, and you'll also find a calculator to see what date a lump sum payment will take you up to and how much you need to prepay to reach a certain date. 

 What’s the best way to make a claim?

Make a claim - Extras Claims

Claiming is easy & there’s no need to line up! Just choose the option that best suits you and we can pay your benefit straight into your account.

'EFTPOS’ style claims

Swipe your membership card to claim on-the-spot at most health providers like dentists, optical dispensers, physios, chiros and natural therapists. You just pay the difference between their fee and your fund benefit and there’s no need to send in a claim form.

Use our claim app!

Forget scanning and emailing your receipts - simply take a photo of your receipt on your smart phone or tablet, open our app, pop in your details and voilà! Your claim is on its way to us in record time. Get the app (as well as instructions) here, or head to the iTunes App store or Google Play store on your device and search for ‘Peoplecare’.

Online claiming

Claiming online couldn’t be easier! You can claim online for these Extras at Online Member Services:

  • Chiro

  • Dental

  • Dietetics

  • Exercise physiology

  • Occupational therapy

  • Optical (glasses & contacts)

  • Osteo

  • Physio

  • Podiatry

They'll need to be under $500 and within the past 2 years. All you need to do is login and fill in the details from your receipts. Your claim is done automatically and your fund benefit is paid straight into your account. You don’t even need to send in your receipts for claims under $500 (but you do need to keep your receipts as we may ask for them later to check some of the information).

Register for our Online Member Services here. It only takes a few minutes.

Email

Just scan your completed claim form with your receipts and email to us. 

Post or Fax

Send your completed claim form along with your receipts to:

Locked Bag 33, WOLLONGONG NSW 2500 or fax to 1300 673 405

 

Make a claim - Hospital Claims

Hospitals usually check your cover with us before you’re admitted and let you know of anything you need to pay them up front. When you’re discharged, just check their account to make sure it’s right and then the hospital will send the claim straight to us. We take care of it all for you and let you know how much we’ve paid on your behalf later.

Make a claim - Medical Claims

Your doctor should tell you about all of the costs of your treatment before you’re admitted to hospital. They usually send the claim straight to us and we’ll take care of it for you.

If they don’t send the claim to us, you need to claim from Medicare first. You can do this by completing two Medicare forms (their claim form and their 2-way claim form) and send it to Medicare with your accounts. Once Medicare have paid their bit, they’ll electronically send the claim to us and we’ll take care of our part.

How to update a student registration

Login to Online Member Services and then follow these easy-peasy steps:

  1. Navigate to My Details and select People Covered.
  2. Choose whose cover you're updating and click the 'Chance' button 
  3. Choose 'Yes' under Student Declaration: Student Registration
  4. Enter student details, tick the confirmation and click 'Next' button
  5. Tick the declaration and submit!

And you're done! 

Add people to your cover

Can I add my partner to my cover?

Absolutely! Get straight to it here. My Details → People Covered → Add person 

Can I stay on my parents’ cover?

You’re covered on your parents’ membership until you’re 21, or 25 if you’re studying full time (as long as you’re not married or in a de facto relationship).

If you’re 21 and not studying full time, you can stay on your parents’ cover until you’re 25 for an extra 30% premium. This is called Family Plus Cover.

How do I add a dependant to my cover?

Get straight to it here. My Details → People Covered → Add person 

Download

 How do I download a form?

You can find forms here. The easiest way to access forms is to login to Online Member Services and once inside your account you can always find forms via the navigation bar at the top of your screen. 

 How do I download my tax statement?

Get all the important details from Online Member Services. My details → Tax Statement & Benefit Statement. 

Saving money

We’ve got couples cover, so why do we pay the same as families with kids?

You’ll probably be surprised to learn that, on average, couples actually claim more than families with kids. Who knew? This is mostly because a high proportion of couples are older people whose healthcare costs are generally higher than younger people, and also because kids generally have lower healthcare costs and don’t need to claim as much.

I don’t claim much, so why do I pay the same as someone who claims heaps?

Our hands are tied with this one. All health funds are covered by Government legislation that says we have to charge everyone the same amount (for the same level of cover) – regardless of their age, health status or claims history. It’s called Community Rating, and we think it’s pretty fair to keep health cover more affordable for most people.

What about a no claim bonus if I don’t make any claims?

We get this one a lot, but unfortunately Government says no. Private Health Insurance legislation says that health funds aren’t allowed to offer No Claim Bonuses.

I’ve been offered discounts from another health fund through my work, why don’t you give me a discount?

Some health funds offer corporate discounts to workplaces, but the trick is comparing products to make sure you’re actually getting a better deal. We’ve heard of corporate deals that are more expensive than Peoplecare products, even with their “discount”!

We don’t offer corporate discounts because we don’t think it’s fair to offer one group of people a better deal than another – we’d rather offer great value cover for everyone.

If you ever need a hand comparing health cover products, just give us a buzz and we’ll talk you through it.

Why can’t I claim for running shoes or other healthy stuff?

This is another thing that’s controlled by Government legislation. We’re only allowed to pay benefits for products and services that treat a specific medical condition. If you have a medical condition and there’s something you think you might be able to claim for, get in touch and we’ll see what we can do.

Need a hand?

Our Peoplecarers are never far away