How to claim

Claiming with CBHS International is fast, simple and efficient because we’ve made easy and stress-free claiming one of our top priorities for members. You can make a claim on-the-spot or claim online through the mobile app.

How to claim on-the-spot

If you visit a doctor within our Choice Network or online doctors, present your CBHS International membership card along with your photo identification and the medical centre may bill us directly.

If your doctor orders tests such as blood tests or x-rays, most of these cannot be claimed on-the-spot. You'll need to pay for these services and keep the receipt. Depending on your level of cover, you may be able to claim a benefit from CBHS International Health.

How to make a claim online (Eclaim)

You can claim online using the CBHS International mobile app. You'll automatically be registered when you activate your policy. You'll then receive an email to set your password.

Follow these six easy steps:

Ensure you have already activated your OSHC or OVHC policy with us. Look out for the email we send asking you to set your password.

Download the “CBHS International” app from the app store. Login with the email address that you provided when you activated your policy using the password you set in step 1.

Confirm your benefit payment details, so we know where to send the money (this must be an Australian bank account).

Select the service type (this can either be medical or hospital).

Take a photo with your phone camera or choose a photo from the library on your smartphone.

Press the submit button.

Members who claim online typically receive their benefits within 3–5 business days. Once you've lodged your Eclaim, you'll receive an email confirmation that your claim has been lodged. Once your claim has been assessed, you can review a benefit remittance confirming your payment in the app.

How to get started

First, ensure your cover is activated.

Already activated? Head to the App Store or Google Play, search for “CBHS International” (looking out for the blue logo) and start your download.

Need to activate your cover? Activate OSHC here and activate OVHC here.

You can also download the app by scanning the QR codes below

Claiming with android

Scan the QR code below to download the app for android devices.

claim_qr_1

Claiming with Apple

Scan the QR code below to download the app for IOS.

Medical (e.g. doctor or GP)

Hospital

Before you begin your eClaim process, you can view the CBHS International claiming rules and the terms of use for online claiming in the CBHS International mobile app. If you have any questions about claiming, please call our specialists team on 1300 174 537 (Workers) and 1300 174 538 (Students).

For hospital claims your hospital will bill CBHS International directly for everything except for any excess that you pay (if applicable).

For medical claims a doctor who participates in an Access Gap Cover agreement might also bill CBHS International directly. If your medical practitioner does not participate in an Access Gap Cover arrangement, you should submit your medical claim to CBHS International first.

Things you need to know

If you visit a medical service provider that's not part of our Choice Network, this will attract a larger out-of-pocket expense. For most doctor visits*, we pay your claims into your bank account within 3 to 5 business days if it's a Medical claim. For Hospital claims, the hospital can expect to receive payment within and up to 28 calendar days after submitting their bill. To ensure you receive your benefits in a timely manner, make sure you've provided your Australian bank account details when you submit a claim. We're unable to provide funds into an overseas bank account.

*Refer to your level of health cover for eligibility, service limits, benefits, and any applicable waiting periods.

^FREE means $0 out-of-pocket costs for eligible members. OVHC Base Hospital members are not eligible. Non-eligible members can access these services but will have to pay the fee and can’t make a claim.

Note: If you hold a policy for a single person and the person who received the treatment is the secondary visa holder (rather than the primary visa holder) you won’t be eligible to claim. Instead, you’ll need to update cover to a policy that covers Couples, Sole Parent or Family (whichever is appropriate for you). If you have an ineligible visa subclass for your chosen product at time of claiming, you won’t be eligible to claim.