As a not-for-profit,
everything we do 
is about giving back to you. 


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Login to our secure online member services to manage your policy details, check benefits used, benefits available, claims history and more. 

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How to make Claims for Medical & Hospital Services

Hospital and medical accounts under Access Gap Cover are usually sent directly to us by the provider and we pay them on your behalf. 

For more information about how to claim for all Extra & Hospital benefits.

Find out more here.

Easy On the Spot Extra Claiming for Members

Most extras can be claimed using your membership card or just take a photo using your phone!

You can simply download our Emergency Services Health Mobile Claims App and lodge your claims from your mobile phone. 

To make your claim simply:

1. Download the free App to your smart phone

2.  Register your details in the App

3. Photograph your account items

4. Submit your claim with a press of a button, no claim form required!

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Where can I claim on the spot using my member card?

We like to make claiming on your health insurance easy, and one of the easiest ways to make a claim is through HICAPS – the system that lets you swipe your Emergency Services Health membership card to make a claim on the spot. HICAPS claiming isn’t available for everything, but this handy search function will help you identify times when it likely is.
Before you begin your search it’s important to note that this search facility is provided by HICAPS and therefore may include some health providers not recognised by us for on the spot claims, but may still be claimable*. The search may also include health providers not recognised by us for any payment of benefits and therefore won’t be covered by us. These situations are rare however members may wish to confirm that their health provider is recognised for benefits prior to service by contacting us directly.

*On the spot HICAPS claiming is not available for; orthodontic, pharmacy, health appliances (including hearing aids) and eye therapy. However, these claims can be submitted via our app, or by emailing us a claim form.


Find a Doctor - Access Gap Cover Search

Access Gap Cover eliminates, or substantially reduces, the out-of-pocket expenses that are part of a hospital stay for people with private health insurance. We have arrangements with a majority of doctors around Australia where, in most cases, our members will be fully covered for in-hospital medical treatment, or will at least be advised prior to treatment of any gaps that might exist.

You can search for participating doctors by specialist group, doctor name, and locality. You can also call us on 1300 703 703 or your doctor to verify if you will be covered in the Access Gap Scheme before treatment.


Find a Contracted Hospital

We have agreements with most private hospitals that are likely to be accessed by members. These agreements ensure that an agreed schedule of fees (including in-patient accommodation, theatre and special unit accommodation fees as appropriate) is charged by the hospital and paid by Emergency Services Health on the member’s behalf. Please note that a member’s benefit entitlements will be affected by factors such as their level and type of cover and the financial status of their membership. This will affect the amount Emergency Services Health will reimburse to the hospital.

We strongly recommend if you contact us on 1300 703 703 to confirm your benefit entitlement prior to receiving hospital treatment. If you choose a non-agreement hospital may incur out-of-pocket expenses for hospital related services irrespective of your level of cover.


Recognised & Registered Service Providers

While the vast majority of private service providers registered and practicing in Australia will be recognised by us for benefits, not all providers are recognised.
If you wish to ensure your provider is recognised by Emergency Services Health, please contact us prior to treatment.
Phone us on 1300 703 703 or email


Here to help


Will you pay benefits towards my Pilates treatment?


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Contracted and Recognised Hospitals

Contracted and Recognised Hospitals

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IVF and other Assisted Reproductive Services

Emergency Services Health's Gold Hospital and Gold Combined includes cover for in-hospital services relating to In vitro fertilis

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FAQ: Premium Increase

Premiums have been reviewed by the Minister for Health and will be increasing as of 1 April 2019.

read more


Pregnancy and private health insurance

If you’re thinking of starting a family, now’s a great time to review your health insurance to make sure you’re happy with, and understand, your co

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Benefit Statements

Just received a benefit statement from us and want to know more? Take a look at these frequently asked questions. 

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Non-recognised hospitals

Regrettably following negotiations, Emergency Services Health through the AHSA have been unable to reach agreement with Toowong Private Hospital on

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Pharmaceutical benefits

Under extras cover you’re eligible to receive pharmaceutical benefits towards prescription items that are not eligible for subsidy under the Govern

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Benefits limit for Extras

Private health insurers generally calculate an average charge for services and set their benefits based on those amounts.

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Your choice of doctor

We give you freedom to choose.

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"Customer service is exceptional and we have always had quick refunds on claims"