When submitting a claim you declare and agree that: 

1. All information supplied in connection with the claim is true and correct and payment has been made in full;
2. You will inform St Lukes immediately if you become aware that any details of the claim are incorrect;
3. You consent to the handling of the personal and sensitive information provided with the claim in accordance with the St Lukes Privacy Policy;
4. Submission of a claim does not guarantee payment of benefit. The claim is subject to assessment by St Lukes and benefits will be paid in accordance with your level of cover, the St Lukes Fund Rules and Membership Conditions. A summary of Membership Conditions can be found here.
5. Any benefits received in relation to the claim will be subject to an annual limit, including any benefits paid in the period from your previous insurer(s). If St Lukes receives a Transfer Certificate from another insurer, after the payment of this claim, which would have resulted in a reduced benefit being payable, then St Lukes reserves the right to request a refund of any amounts paid to you above the annual limit.
6. You, or the person on whose behalf you are submitting this claim, have no entitlement to claim benefit for these services under Repatriation, from another private health insurer, worker’s compensation, motor vehicle accident insurance, damages action, persons liable at law, or any other source; 
7. The services, treatments or appliances supplied in relation to this claim were provided within Australia;
8. The services, treatment or appliances supplied in relation to this claim were not provided by an individual who is covered under your membership policy;
9. St Lukes does not guarantee a response or payment of benefit within a particular period;
10. You will retain all invoices and receipts related to the claim for 6 months from the date of claim;
11. St Lukes may require production of relevant invoices or receipts prior to finalising the assessment of any claim and prior to the payment of any benefit in respect of that claim.
12. If supporting documentation is requested, no benefit will be paid until the requested documentation is produced and assessed by St Lukes;
13. You authorise St Lukes to contact the provider to clarify or verify any details of the attached claim;
14. If you are lodging the claim for another person covered by your policy including any Dependant, you declare that you have their consent to lodge the claim and to make the above declarations and acknowledgements on their behalf;
15. From time-to-time St Lukes may undertake audits of providers or members in respect of claims paid in the previous two years and may request additional information in respect of those claims. This may include, but is not limited to, requesting additional supporting documentation or a Statutory Declaration in relation to those claims;
16. St Lukes reserves the right to request a refund of benefits paid or terminate a policy where a policy holder has acted improperly and will give notice in writing including a reason for the termination. A policy holder has the right to request reinstatement which will be considered at the Fund’s discretion. 
17. As per the Membership Conditions, St Lukes will only pay benefits where services are received by an eligible member and are claimed within 2 years from the date of service.