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HCI is all about giving the best level of health care for its members. HCI is dedicated to making health insurance easy to understand and offering affordable yet comprehensive health care1.
As a not-for-profit private health insurer, HCI’s focus is on the health services it provides to members. Its mission is to provide the very best in hospital and general health care services. HCI also offers extensive extras cover, for services such as dental, optical, physio, chiro, and much more1.
HCI offers three primary levels of hospital and extra cover3:
Each package comes with the Gold Hospital package, which is the top tier level of cover provided by HCI for hospital cover. Each option has a different level of extras cover depending on your needs.Alternatively, you can choose just hospital cover, or just extras cover with HCI4.
HCI Premier Hospital Cover provides up to 100% of the hospital accommodation costs, provided you’ve served the waiting periods and no other conditions apply5.
The cover includes prostheses, private room stay (if available), prescriptions relating to the surgery, and surgical tooth extractions1.
HCI’s Premier Hospital Cover provides 100% of the cost of the difference between the Medicare refund, and the Commonwealth Medical Benefit Scheme (CMBS) fee, for medical services provided during a hospital admission.
HCI hospital cover does not include1:
HCI offers a variety of excess options as a way to reduce your premiums. If you need to go to hospital, you contribute a payment towards your costs (the excess). Customers can choose from an excess of $250, $500,¬ or $1,000. There is no excess payable for children under 18 in family policies. Also, no excess is charged for day admissions1.
Like all private health insurance providers, waiting periods apply to certain types of cover.
HCI waiting periods for hospital treatments are1:
Waiting periods apply to new members, and existing members upgrading to higher levels of cover. However, if you switch from a health insurer with a similar level of cover, HCI will waive your waiting periods. If you transfer from another fund to a higher level of cover with HCI, waiting periods will apply.
HCI’s extras cover provides reimbursement for a variety of out of hospital health care services, and different waiting periods do apply. Some of the waiting periods for the major services include:
Extras service HCI waiting period
|Extras service||HCI waiting period|
|General dental||6 months|
|Major dental||12 months|
|Hearing aids||24 months|
|Home nursing||2 months|
|Laser eye surgery||12 months|
|Speech therapy||2 months|
For the full list of waiting periods on HCI extras, see page 17 of its Guide to Cover1.
Ambulance cover is only included as part of HCI’s premier package of extras, and there is a two month waiting period for ambulance services.
You can choose from four levels of cover:
HCI offers numerous benefits to its customers, including1:
It’s easy to join, simply complete the online application form or contact HCI:
Although iSelect does not compare policies from Health Care Insurance, you can compare policies side by side from our range of providers. Click here to start comparing health policies, or call us on 13 19 20 today.