For private health insurance transactions processed via HICAPS, an Error 12 is a generic decline message sent to us by your health fund. Unfortunately, we aren't provided with any more information from funds about why you received an Error 12. Common reasons for an Error 12 include:

  • There was a problem with the health fund policy.

  • The health fund encountered a technical issue.

  • The health fund details provided do not match those that the health fund has on file.

  • The claim is for the same or similar item with the same provider on the same day of service as for a claim previously approved (this is generally not permitted).

If you encounter an Error 12, we recommend that patients contacting their health fund who will be able to provide more information as to why.

If you have received an Error 91 message, click here for more information.

We work hand in hand with third parties such as HICAPS to ensure you have a secure and enjoyable experience with Medipass. If you think something isn't right or you encounter multiple errors, get in contact our support team at

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