HCi, or Health Care Insurance, is a member-owned, nonprofit health fund. Hailing from Tasmania, the fund is part of the Members Health alliance, a collective of nonprofit and mutual health funds.
Why Choose HCi
- Comprehensive Coverage: HCi offers a range of hospital and extras cover options to suit different needs and budgets. Their hospital cover includes Gold, Silver Plus, Bronze Plus, and Basic Plus policies, which can be combined with various extras cover options. These plans provide extensive coverage, including dental, optical, physiotherapy, chiropractic, and more.
- No Gap Agreements: HCi works with over 30,000 private doctors who agree to reduce or eliminate the gap, helping members save on out-of-pocket costs. This ensures you receive high-quality care without worrying about unexpected expenses.
- Family-Friendly Policies: HCi’s family policies are particularly generous, covering adult children for free until they turn 23 and full-time students until they turn 32. They also offer extended family policies for an additional cost, making it a great choice for families who want to keep their children covered longer.
- Member Rewards and Support HCi rewards its members through various initiatives:
- Referral Program: Earn rewards for referring new members.
- Mental Health Coaching: Access to programs that help build mental health.
- Optical Discounts: Discounts with various optical stores across Australia.
- No New Wait Times: When switching to HCi from another health fund with equivalent cover, you won’t have to serve new waiting periods.
- Easy Claiming and Management: HCi offers a user-friendly app and online member services portal, making it easy to manage your policy, update details, and make claims anytime, anywhere.
About HCi
HCi has been providing reliable and affordable health cover to Australians since 1938. As a not-for-profit and member-owned health fund, HCi focuses on returning profits to its members through improved services and lower costs, rather than distributing profits to shareholders.
HCi Health Insurance Policies
HCi offers a range of health insurance policies, from singles health insurance policies to couples policies, family policies and senior policies. Choose from hospital cover, extras cover, or combined hospital & extras cover.
Hospital Cover
- Gold Hospital: It covers all 38 clinical categories from the basics to the intricate stuff like heart disease and pregnancy.
- Silver Plus Advantage Hospital: Almost like the Gold but skips pregnancy and a few other things. Great for families not adding a new member anytime soon.
- Silver Plus Secure: Enjoy most of the perks of a Gold plan, but without the baby bump coverage. A smart pick if kiddos aren't on your radar.
- Bronze Plus Hospital: Covers all the must-haves for a Bronze plan like ear, nose, and throat treatments. It's the essentials, no frills attached.
- Basic Plus Hospital: This is your entry-level option that even throws in accident coverage.
Feel like bundling? You can pair any of these hospital plans with HCi’s premium extras cover, or mix and match with their other extras options.
Extras Cover- Premier Extras: This is HCi's ultimate extras package. It includes premium services like laser eye surgery, but you'll need to pair it with a Gold or Silver Plus hospital plan to get in on this action.
- Healthy Extras: Goes beyond the basics of Active Life by adding ambulance cover, hearing aids, eye therapy, pharmacy goodies, psychology sessions, and so much more.
- Active Life Extras: Think of this as the starter pack. It's got your dental and optical covered, along with a handful of therapies like acupuncture, physio, and chiro.
Combined Cover
- Gold Hospital or Silver Plus Advantage with Premier Extras: You get the works on both hospital and extras cover. Just note that Premier Extras isn't a solo act; it only comes with these hospital plans.
- Silver Plus Advantage or Bronze Plus with Healthy Extras: Customise your care by picking either a Bronze or Silver Plus hospital plan, then add on Healthy Extras for things like dental, chiro, and holistic therapies.
- Active Life Package: This package includes coverage for essentials like dental and optical, as well as therapies like acupuncture and physio. Plus, you get to pick your hospital cover level—Gold, Silver Plus, or Bronze.
How to Join HCi
Ready to join HCi? You apply online using our simple application tool, or you can call us and one of our expert consultants will guide you through the process.
If you want to compare health funds to find the right fit for your needs, we can help you compare policies from our range of health fund providers and plans.
Give us a call today, or use our simple comparison tool to compare online now.
