How to claim

Claiming your Mutual Community health cover benefits is easy:

Claim online

Claim the easy way with Mutual Community's online claim form.* Simply complete and submit your claim at your convenience. Your benefit will be credited directly into your nominated bank account within 48 hours of processing.

Claim online

Claim on-the-spot

On-the-spot electronic claiming is the easiest way to claim your extras services for instant rebates. More than 20,000 dentists, physiotherapists, chiropractors, opticians, psychologists, podiatrists, dieticians and speech pathologists around Australia now offer this service.

The provider swipes your membership card after your treatment and your claim is processed automatically, then you only have to pay the balance of the bill (the gap). It’s a system that can save you time and effort,and keep money in your pocket.

Remember to claim on-the-spot where you see these signs:

Ezyclaim

Ezyclaim is a direct billing system that is designed to help our members reduce any out-of-pocket expenses when treated in hospital. Specialists can use Ezyclaim to eliminate or reduce 'the gap'.

If your specialist uses Ezyclaim they will bill us directly. So you either won't pay any out-of-pocket expenses – or even receive a bill – or you'll know about any gap payable for that specialist prior to treatment.

All specialists can choose to use Ezyclaim. Simply ask your specialist about it before undergoing treatment.

More about Ezyclaim and gaps

Claim on the phone

If your accounts total less than 10 claimable items or $500.00, you can claim over the phone by calling 1300 305 909*. Our phone claiming service is open from 9:00am until 8:30pm (EST) Monday to Thursday, and 9:00am until 8:00pm (EST) on Friday.

Please have your accounts and membership card ready, and note that benefits for claims made over the phone can only be paid via EFT into a nominated Australian bank account.

Claim by mail

You can make a hospital or extras claim by mail. Simply print out a claim form, complete it, attach the original account(s) you received from your health care provider(s), and the original receipt(s) if you paid your provider(s), and mail it to:

Mutual Community Customer Claims
GPO Box 990
Adelaide SA 5001

Download and print a claim form

We will send you a cheque for your benefits due within 14 days of processing your claim. If we need more information to process the claim we will contact you by telephone or mail.

Claim at a branch

You can submit your claims at any Mutual Community branch, and most branches are able to process claims and provide you with your benefits on-the-spot.^

Find the branch closest to you

Claim queries

Remember that claims can only be paid within 2 years of the date on which the service was rendered.

If you have a question about:

The status of your claim
How to fill in a claim form
What documents you need to attach to your claim form

Please do not hesitate to contact us.

* Please note that claims for hospital, medical services, pharmacy, ambulance, travel and accommodation, orthodontic and health appliances cannot be made online or over the phone.
^ Branches in NSW and WA are unable to process claims or provide benefits on-the-spot