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HICAPS

Processes health claims and payments for clinics, practitioners, and patients.

Our take: HICAPS combines on-the-spot health fund claiming and EFTPOS in one terminal.

Best forAustralian health practices
ReviewedPricing: Paid
7.3 out of 105 criteria · see breakdown
Try HICAPSA$30/mo terminal (incl. GST)

HICAPS is an Australian healthcare claiming and payments provider owned by NAB. Its terminal lets practices take patient payments and claim on the spot from private health insurers and Medicare Easyclaim; HICAPS Digital is an online portal for claiming from government schemes and some insurers. The terminal costs A$30 a month including GST, plus card processing fees.

The bottom line

The de-facto standard for private health claiming in Australia — essential infrastructure for any allied health or medical practice.

Our score

Reviewed by the Conversion Gems editorial team. Hover a facet to focus it; click to pin.Tap a facet to focus it.

Community ratings

Shown for context only. Our score is independent.

Trustpilot
2.3 out of 5
5+ reviews

2.3 / 5 aggregate · across 1 source

Third-party ratings shown verbatim; aggregate weighted by review volume.

What it is, and why we rate it

One line each. Open a row for detail.

What it really isHICAPS — Australia's largest point-of-sale health-fund claiming and EFTPOS terminal service for practitioners.
Our takeHICAPS combines on-the-spot health fund claiming and EFTPOS in one terminal.
HICAPS says it works with 100% of Australian private health insurers, plus Medicare Easyclaim, overseas visitor claims and some government schemes. There is no fee for health fund or Medicare Easyclaim transactions; you pay the terminal rental and a card processing fee. HICAPS Digital fees depend on who you are claiming from.
Why we rate itHICAPS covers private health fund claiming at the point of sale with no per-claim fee on health fund or Medicare Easyclaim transactions, and it combines claiming and card payments on one terminal.
The catchAustralia only.
Same-day EFTPOS settlement needs an eligible NAB Business Everyday Account. HICAPS Digital charges per claim or invoice for some payers.

Best / not good for

Best for
  • Allied health practices (physio, chiro, dental) needing instant health-fund rebates at checkout
  • GPs and specialists processing Medicare Easyclaim alongside private health claims
  • Multi-practitioner clinics integrating with an existing practice management system
Not good for
  • Providers outside Australia
  • Practices that want no hardware at all for private health fund claiming
  • High-volume TAC claimers who would pay 1.45% per claim on HICAPS Digital
Trade-offs

Friction report

Trade-offs to know before signing up.

  1. Time to value
    Moderate: terminal application and delivery adds setup time; digital portal is faster to activate but requires provider registration with each funder.
  2. Scale breakpoint
    HICAPS Digital charges 1.45% per approved TAC claim and 10c per Medicare or DVA invoice, which adds up at volume.
  3. Walled garden
    Moderate: same-day settlement depends on a NAB account; integrations with practice management software reduce manual work.
Still a fit?
If none of these block you, try it on the official site.
Try HICAPS

HICAPS pricing

ProductPriceNotes
HICAPS TerminalA$30/month rental (incl. GST) for the primary merchantNo terminal fee for multi-merchants. No fee for health fund or Medicare Easyclaim transactions.
Card processingUp to 0.99% of card transactionsApplies to Mastercard, Visa and UnionPay International; incl. GST and interchange fees
HICAPS Digital: nib (selected modalities), HBF, icare, NDIS, Worksafe Victoria, WorkCover QueenslandFree
HICAPS Digital: Transport Accident Commission1.45% of approved claim amount
HICAPS Digital: Medicare, Department of Veterans Affairs10c per approved invoice

From HICAPS's pricing page, checked 2 October 2026. Prices in Australian dollars.

Frequently Asked Questions

How much does HICAPS cost?

The terminal costs A$30 a month (incl. GST) for the primary merchant, plus a card processing fee of up to 0.99%. There is no fee for health fund or Medicare Easyclaim transactions (checked 2 October 2026).

How much does HICAPS Digital cost?

It depends on the payer: free for nib (selected modalities), HBF, icare, NDIS, Worksafe Victoria and WorkCover Queensland; 1.45% of the approved claim for the TAC; and 10c per approved invoice for Medicare and DVA (checked 2 October 2026).

Who owns HICAPS?

HICAPS Pty Ltd is a wholly owned subsidiary of National Australia Bank (NAB) and part of NAB Health.

Which health funds work with HICAPS?

HICAPS says it partners with 100% of Australian private health insurers, and also supports Medicare Easyclaim, overseas visitor claims and major government schemes.

Can I get same-day settlement with HICAPS?

Yes, for EFTPOS transactions settled to an eligible NAB Business Everyday Account before 9:30pm AEST, according to HICAPS.

Alternatives

  • Step up

    HICAPS Digital, the same company's online portal for invoicing government schemes without a terminal.

  • Lighter alternative

    Medicare Online (Services Australia) for practices needing only Medicare bulk-billing with no private health fund claims.

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Sources checked October 2, 2026: HICAPS pricing, HICAPS homepage, About HICAPS.

Conversion Gems independently reviews every tool.

Tags

#HealthClaims#Australia

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