Enter Search Terms. Make a claim for treatments or services covered by Your Insurance Policy. Health insurance. CBHS Health Fund has been providing care and support to CBA Group employees, ex-employees and their families for over 65 years, and currently covers more than 200,000 Australians. Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, privateIf you’d like to talk to us about finding the right level of Extras cover to suit your needs and budget, please give us a call on 1300 654 123 (8am-7pm AET, Mon-Fri). Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, privateCBHS is a restricted fund exclusive to current and former employees of the Commonwealth Bank Group (CBA), employees of CBA contractors and their extended families. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. holds an agreement with CBHS, you reduce, if not eliminate, out-of-pocket expenses for hospital fees. Keep your premiums lower by excluding services like pregnancy or joint replacements. The Referring Member must claim and redeem their Gift within three (3) months after the date the Reward Code is sent otherwise it will be forfeited. Transportation. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. Must be approved by CBHS. How to claim; Find a provider: Hospital search; Access Gap Cover; HICAPS provider search;Can you join CBHS? We’re a not-for-profit fund, exclusively for past or present CBA employees, contractors and their immediate family members. Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, privateContact. iPad. At CBHS we help you manage your health challenges. Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, private1. Claiming with CBHS Health is fast, simple and efficient, because we’ve made easy and stress-free claiming one of our top priorities for members. Get a quick quote. To accord with private health insurance legislation exercise and gym fees. In Australia your local doctor is called a general practitioner (GP). 1 replies. Opt-out of online. Gym membership Personal Trainer CBHS Member No. 2. 2. The app has no ratings yet. This regime will require: Gym membership Personal trainer Pilates Yoga Please indicate the length of time you are recommending for this course of treatment _____ months. Cover for. au or contact Member Care on 1300 654 123. At CBHS we help you manage your health challenges. Fitness; Membership;. Eligible Expenses: You may submit claims for eligible expenses that incurred while you have been a participant in this plan. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by 1. You will need to ask your health care provider to. If you’re planning to claim for a treatment or service under Extras, make sure you’re using a recognised provider. I'm extremely happy with CBHS! I have been a customer for about six years. We believe in offering you the services, support and tools you need to live your best life. You’ll only need to show your CBHS International Health membership card and photo ID before treatment and pay any out-of-pocket costs that may be applied. 2. 2. Go to his insurances website or google “insurance name health improvement benefit approval form. When you joined CBHS you were sent a membership pack which included a membership card. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. We believe in offering you the services, support and tools you need to live your best life. Opt-out of online. At CBHS we help you manage your health challenges. doctor or GP) Hospital. 07. The benefit is available to members if the health. holds an agreement with CBHS, you reduce, if not eliminate, out-of-pocket expenses for hospital fees. CBHS Corporate Health brings you the same award-winning service and expert health cover, but is open to everyone. Proudly not-for-profit since 1951. • View your claims history and status. Find out more about OSHC and get a quote today. com. Email address [email protected] update 14 April 2021 Cbhs Private Health Insurance Review Overview CBHS Health was established in 1951 by the Commonwealth Bank of Australia group for their. 1. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. 1 million people involved in sports are women, which means there are around 5 million women running, swimming, lifting weights, scoring goals, and occasionally injuring themselves on the path to competitive glory. au or contact Member Care on 1300 654 123. How to Claim? Download Claim Forms; Fraud and Vigilance; Access Gap Search;. This includes things like hospital accommodation, ambulance transport, and even medical evacuation back to Australia. MUS Away Details about Basketball - JV: vs. How to claim. 1. au or phone 1300 174 538. Health insurance provider nib says its customers can claim on gym membership and weight management programs – such as personal training sessions – if they have extras health cover with the. Telemedicine. Spring. Each person covered gets their own annual limits for extras. Student Services - all student enquiries i. Learn about how CBHS can help you recover from, or avoid, a mental health condition. Send this form along with your claim form and relevant receipts to: CBA Internal Mail: CBA 2395 001 10 Pitt St Parramatta, NSW 2150 Post: Locked Bag 5014 Parramatta, NSW 2124 Fax: 02 9843 7676 CBHS Health Fund Limited ABN 87 087 648 717 Under CBHS Wellness Benefits, members can claim towards a health management program. Gym Membership) can sometimes be made. com. Reduced risk of cardiovascular disease. au or contact Member Care on 1300 654 123. Provided you need any questions regarding claiming, please call my Member Worry team on 1300 586 462. com. You may not be eligible for CBHS Health Fund, but check out our sister fund CBHS Corporate Health. 2. 2. *A benefit is not payable in respect of a service that was rendered to a member if the services can be claimable from any other source. Join on Hospital and Extras to get 6 weeks free & no waiting period on Extras ^. Member health. Favourite thing about Australia so far: My favourite thing about Australia is how culture is so important here, which is different in my country the. Must be approved by CBHS. com. Orthodontia. au. These include remedial massage and acupuncture. *A benefit is not payable in respect of a service that was rendered to a member if the services can be claimable from any other source. • Login using Fingerprint or PIN • Access current. Manage your members, update your policy and view claim progress all from our convenient mobile app. Member Discounts: Discounts on gym memberships, eyewear and contact lenses for a range of optical suppliers and a range of other health services, like Yoga and Pilates. com. 2. com. CBHS Health Fund Limited ABN 87 087 648 717. Step 2: Visit the clinic for your appointment. Email: claims@cbhs. Must be approved by CBHS. au or contact Member Care on 1300 654 123. Claiming with CBHS Health is fast, simple and efficient, because we’ve made easy and stress-free claiming one of our top priorities for members. Even better, as a CBHS member you can start your healthier eating journey for a big discount! Enjoy 35% off your first order of calorie and portion-controlled, weight loss meals with The Doctor. 1 million people involved in sports are women, which means there are around 5 million women running, swimming, lifting weights,. Leoni Jesner is a health and fitness writer who specializes in nutrition and. au. Travel insurance typically includes emergency dental costs as well. / / (()) 1 1. Must be approved by CBHS. com. To check if your hospital holds an agreement, visit our website at cbhs. 2. org. If you have a pre-existing condition, a waiting period of 12 months will apply before we will pay hospital or medical benefits towards any treatment for that condition. arrow_forward. Must be approved by CBHS. com. Get paid sooner - within 1-2 business days for web. Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, privatethe determination, CBHS’ doctor will have regard to any information provided by the member’s doctor. com. Health insurance. We believe in offering you the services, support and tools you need to live your best life. Members claiming benefits for health management programs should include this form with their claim. At CBHS we help you manage your health challenges. Find out more by calling our Member Care team on 1300 654 123. 2. Background Starting no sooner than July 1, 2024 Community Behavioral Health Support (CBHS) services is a new program beginning no sooner than July 1, 2024 that will be implemented across the state over the next several years. au or contact Member Care on 1300 654 123. All Day. The benefit is available to members if the. Your membership card. Volunteers Needed! 2022 - 2023 CBHS All Sports Athletic Event PackagesOverseas Student Health Cover (OSHC) Within Australia: 1300 174 538 (24/7) From Overseas: (+61) 2 8604 3538. Find out more on our Wellness Benefits page. 2. Best Gym. 4. You can swipe your membership card to claim directly on the spot using your provider’s HICAPS or iSOFT terminal. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. You can also call our friendly Member Care team on 1300 654 123. Step 3: Pay for the service and obtain a receipt. Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, privateAn employer subsidizes its employees’ purchase of memberships at a fitness club. Member forms; CBHS Corporate mobile app; Company and guides; Fraud and vigilance; Find an provider: Hospital hunt; Access Gap Screen; Choice Network provider;Main member's date of birth dd/mm/yyyy. We believe in offering you the services, support and tools you need to live your best life. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. Locked Bag 5014. For more than 70 years, CBHS has been helping CBA Group members and their families live healthier and happier lives. Claim on the spot If your service provider has HICAPS or iSOFT facilities, just present your CBHS Corporate Health membership card and the benefit will be automatically. Find your closest recognised provider at either Mole Map. au or contact Member Care on 1300 654 123. High overall limits on an extensive range of Extras including dental, optical, physio and chiro, and a host of alternative therapies. Specsavers. The fastest way to claim is online via Member Centre or on your smartphone using our app. CBHS International Health offers affordable health cover for workers and students, including 24/7 phone support with an interpreter service and more. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. Also, where a member upgrades their cover, they must wait for 12 months toCBHS Health Benefit Fund Rules – as at 26 February 2021 4 of 117 A INTRODUCTION A1 RULES ARRANGEMENT These Rules set out: (a) Part A – the general principles and operating environment of the Fund; (b) Part B – how to read the Rules, including the meaning of terms; (c) Part C – who can be a Member, and on what basis;. 6 months for periodontics, endodontics, facings and dentures. Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, privatethe determination, CBHS’ doctor will have regard to any information provided by the member’s doctor. To learn more, provide feedback, or talk about giving options, please contact John Goode '07, Director of Advancement at (901) 261-4945 or jgoode@cbhs. Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, privateholds an agreement with CBHS, you reduce, if not eliminate, out-of-pocket To check if your hospital holds an agreement, visit our website at cbhs. What are the advantages of claiming online? Find out how much your benefit is instantly Claim all extras and ambulance services Upload receipts online, even from your mobile. au or contact Member Care on 1300 654 123. Seventy years of providing the highest value health insurance will teach you a thing or two about health and loyalty. com. PLEASE ATTACH RECEIPTS. We believe in offering you the services, support and tools you need to live your best life. 1. To help protect your personal information, CBHS has implemented mandatory multi-factor authentication. com. 2. Also, where a member upgrades their cover, they must wait for 12 months toWe've got you covered. 3. Our Better Living Programs are available to support eligible members towards a healthier lifestyle. So, if you need to buy or hire any approved artificial and healthcare aids , you may be eligible to claim benefits, with a referral from your health professional. com. COVID-19 protocols will continue like we had during the Fall Sports Season. Students Workers. e. Claim on gym membership or personal training under your Extras cover. If your Extras cover offers a benefit on gym membership, how about finding a gym that offers yoga and Pilates as part of their class timetable. g. You can visit a clinic that is not part of the network but there may be an out-of-pocket cost. Pricing for Gold’s Gym memberships varies from location to location, but generally, a Single Club membership pass comes with a $25 enrollment fee and costs $59 a month. To check if your hospital holds an agreement, visit our website at cbhs. If you have a pre-existing condition, a waiting period of 12 months will apply before we will pay hospital or medical benefits towards any treatment for that condition. holds an agreement with CBHS, you reduce, if not eliminate, out-of-pocket expenses for hospital fees. The CBHS Health Mobile App makes it easy to manage your membership and get the most out of your fund membership. Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, privatethe determination, CBHS’ doctor will have regard to any information provided by the member’s doctor. We want your time in Australia to be special, happy, and safe. If you have a pre-existing condition, a waiting period of 12 months will apply before we will pay hospital or medical benefits towards any treatment for that condition. Call 1300 174 538 for your closest GP or go online cbhsinternationalhealth. If you have a pre-existing condition, a waiting period of 12 months will apply before we will pay hospital or medical benefits towards any treatment for that condition. com. However, this may not apply if the services are rendered in public hospitals in shared rooms. Details about Wrestling: vs. The CBHS Collective Health claiming rules and the terms starting use available online claiming are available during the eClaims process in the CBHS Business Health Member Centre. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by1 CBHS Corporate Health can only pay a benefit for gym membership/personal trainer where the gym/personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. CBHS Health Fund Limited ABN 87 087 648 717 Please send this claim form and any additional information: By Post: CBHS Health Fund Limited Locked Bag 5014, Parramatta NSW 2124 Fax: 02 9843 7676 Email: claims@cbhs. Click here to download form. 2. 2. iPhone. Must be approved by CBHS. Fees and charges CBHS Corporate Health members will not be charged any fees or charges for making electronic claims except for member's own bank charges where applicable. Mr Mrs Miss Ms Dr Claimant’s Surname D. Access treatments or health services covered by Your Insurance Policy. 1. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by CBHS Health Fund has been providing care and support to CBA Group employees, ex-employees and their families for over 65 years, and currently covers more than 200,000 Australians. Best Gyms in Victoria, BC - Forge Training, YMCA-YWCA Of Greater Victoria, Beyond Fitness, Victoria Athletic Club, GoodLife Fitness, Studio 4 Athletics, Innovative Fitness. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. I think the price. Types of cover:. Each Better Living Program is subject to its own eligibility criteria. Your CBHS Extras policy includes cover for gym memberships and/or personal training. The benefit is available to *A benefit is not payable in respect of a service that was rendered to a member if the services can be claimable from any other source. Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, private1. The form is valid for two years from the first time you claim for a Healthier Lifestyle service. You may not be eligible for CBHS Health Fund, but check out our sister fund CBHS Corporate Health. To claim for a Health Management Program (other than Healthy Weight for Life or Exercise & Gym programs), complete our claim form and include original receipts showing: dates the program was started and completed date the invoice or receipt was issued. A Gold’s Gym 12-month. Gym membership ☐ Personal trainer Please indicate the length of time you are recommending for this course of treatment _____ months. CBHS Corporate Health brings you the same award-winning service and expert health cover, but is open to everyone. We'll keep your details on file for seven years after cancelling your membership, and you may contact us to claim your refund at any point during this time. *Price is for single in NSW, aged 30, with income $93,000. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by If you hold an active CBHS membership with an Extras component on 31 May 2020, you will automatically receive a refund of 30% of your Extras cover premium for May by 9 June 2020. If you’re claiming for health management services such as gym memberships and personal training, you’ll need to have your GP, specialist, or allied health service provider complete a Health. DECLARATION. Health Management Program Form. au for eclaims. Each gym has its own schedule, but those that offer classes include them in the membership fee. 1 Must be approved by CBHS Corporate Health. Must be approved by CBHS. Travel insurance policies provide cover for emergency hospital and medical expenses you may need to foot the bill for while overseas. Get up to $500 in gift cards! Get great value private health cover, and receive up to $500 in gift cards when you join on Hospital and Extras. Your fitness centre or weight. Gym membership Personal Trainer CBHS Member No. Our Better Living Programs are available to support eligible members towards a healthier lifestyle. Please send this claim form and any additional information: By Post: CBHS Health Fund Limited Locked Bag 5014, Parramatta NSW 2124 Fax: 02 9843 7676 Email: claims@cbhs. Visit CBHS Corporate Health If you have any questions, our friendly team is ready to assist you. au. The last update of the app was on November 2, 2023. Fitness service: Well-being services A-Z; Common procedures; Find a service or hospital; Tools & support. If you hold a combined Hospital and Extras cover, the refund will represent around 10% of your total premium for May. Step 4: Log into myBupa to submit your claim and attach your receipt. au or contact Member Care on 1300 654 123. From waiting periods to information on what you can claim, this article will guide you through some of the things you may need to prepare for. About this app. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. com. How to claim; Find a provider: Hospital seek; Access Gap Cover; HICAPS donor search. ” Download, fill it out and sign it. CBHS Claims Form. Each person covered gets their own annual limits for extras. Maintaining a healthy mind and body. Must be approved by CBHS. 5%. 2. Must be approved by CBHS. The benefit is available to members if the. Without the help of CBHS we would have lost our family home to pay for all the hospital and medical bills and my dad would have been forced to work rather than. com. Must be approved by CBHS. At CBHS we help you manage your health challenges. “Commencement Date” means the date that the Overseas Student selects as the start date of the Policy. com. an agreement with CBHS, you reduce, if not eliminate, out-of-pocket expenses for hospital fees. Types of cover:. Capacity in the CBHS Gym will be at 500 people. com. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. au or contact Member Care on 1300 654 123. limit on the amount you can claim. 1. Declaration (to be completed by the practioner). We believe in offering you the services, support and tools you need to live your best life. To check if your hospital holds an agreement, visit our website at cbhs. This form is often to claim benefits used approved healthcare programs at CBHS Corporate Health Wellness Benefits. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. Claim Form. Why CBHS: Why attach CBHS; Testimonials & books; Member-owned fonds; Why do IODIN need secret health insurance? Health insurance explained: Check your eligibility; Switching health insurance providers; Waiting periods;. 1. Must be approved by CBHS. au. Amount/Item Covered. You’ll only need to show your CBHS International Health membership card and photo ID before treatment and pay any out-of-pocket costs that may be applied. 2. Sole parent health insurance; Conundrum CBHS: Why connect CBHS; Testimonials & our; Member-owned fund; Wherefore do I need confidential health. CBHS Health Fund has been providing care and support to CBA Group employees, ex-employees and their families for over 65 years, and currently covers more than 200,000 Australians. CBHS can pay a benefit for a gym membership (or personal trainer) if it’s certified by your GP or a recognised provider as part of a health management program*. our Access Gap Cover (AGC) Medical Claims Assessor, celebrating her 10-year anniversary at CBHS! 🚀 It all started. Website: cbhs. com. For more info on how to claim with CBHS OSHC, click HERE. Must be approved by CBHS. com. You’ll only need to show your CBHS International Health membership card and photo ID before treatment and pay any out-of-pocket costs that may be applied. Best Gym Membership for Beginners: Crunch. 2. that holds an agreement with CBHS, you reduce, if not eliminate, out-of-pocket expenses for hospital fees. How long does it take CBHS to pay Extras claims? If your service provider has HICAPS or iSOFT facilities, all you need to do is give them your membership card and the benefit will be. 1. au or contact Member Care on 1300 654 123. au CBHS Claims Form. To check if your hospital holds an agreement, visit our website at cbhs. Optical. With CBHS Corporate Health,. com. Also, where a member upgrades their cover, they must wait for 12 months tofor the CBHS Member Centre. HICAPS is an acronym for Health Industry Claims and Payments System. If you cannot find your card, feel free to contact our helpful staff on 1300 654 123 or via [email protected] or contact Member Care on 1300 654 123. holds an agreement with CBHS, you reduce, if not eliminate, out-of-pocket expenses for hospital fees. Must be approved by CBHS. To find out more, email help@cbhs. You’ll need a referral from a health. Member Health funds operate on very slim margins, so. 2023 Timetable. Must be approved by CBHS. We believe in offering you the services, support and tools you need to live your best life. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. To check if your hospital holds an agreement, visit our website at cbhs. Must be approved by CBHS. We believe in offering you the services, support and tools you need to live your best life. We offer a number of services for our students including learning support, counselling, and sport therapy. Claims for health management services - claims for health management services (e. The guides detail billing guidelines, duplicate billing, corrected claims processes and many more topics. As a proudly not-for-profit health fund, every dollar we’ve earned has gone back into growing CBHS and helping the individuals and families we insure. Our B team boys basketball tryouts will be on November 5th from 4:15-6:15 pm and November 7th from 12-2 pm at CBMS! We ask that all athletes arrive. au or contact Member Care on 1300 654 123. How do I make a claim? You can make claims online, in store, by mail or via your OSHC provider. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified byIf we do not receive a response from you within 60 days, we will hold the amount of the refund (less an administration fee), pending contact from you. 00 per year. Download Member Makes and another information. To check if your hospital holds an agreement, visit our website at cbhs. If you have any problems or issues using ECLIPSE to process CBHS claims, please contact our Member Care Centre by calling 1300 654 123. Peace of mind with cover for heart-related services. You can make a claim on the spot or online. Must be approved by CBHS. 1. B. That's why we gave back…Where can I get a copy of my tax statement? A copy of your tax statement will be available in your Member Centre inbox by 14 July 2023 (Communications > Tax statements) If you are experiencing difficulty trying to access your tax statement online, you can request a paper copy or a digital version by calling 1300 654 123 or email help@cbhs. Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, privateagreement with CBHS, you reduce, if not eliminate, out-of-pocket expenses for hospital fees. Phone: 1300 654 123. PLUS join online to receive an additional $150 gift card! *. CBHS Corporate Health brings you the same award-winning service and expert health cover, but is open to everyone. Health & wellbeing: About health & upbeat; Healthy living; Events and related; CommBank Health Hubs;. Call 1300 174 538 for your closest GP or go online cbhsinternationalhealth. Fri Feb 16. Fri Feb 16. Only the Policy Holder (as defined in the CBHS Health Benefit Fund Rules) is entitled to use the Member Centre. Thu Feb 22. Without the help of CBHS we would have lost our family home to pay for all the hospital and medical bills and my dad would have been forced to work rather than. Why CBHS: Why join CBHS; Testimonials & stories; Member-owned mutual; Conundrum do I need private health indemnity? Health insurance explained: Check your eligibility; Switchover healthiness insurance carriers; Waits. com. com. 2. 1. *A benefit is not payable in respect of a service that was rendered to a member if the services can be claimable from any other source. com. CBHS can only pay a benefit for gym membership/personal trainer where the gym/ personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. com. CBHS International has an download size. Claiming your benefits Non-admitted medical services Claims for medical services provided in a hospital, day surgery, emergencyBasic Extras. au if a claim is declined. For any provider inquiries, please contact us on 1300 654 123 . Life Ready. HICAPS is an electronic, real time; claim and payment system that offers members of participating health funds the convenience of automatic claims processing on the spot using their fund membership card for general services.