Offers some of the highest levels of both hospital and extras cover out there.
Network of over 30,000 private doctors who've agreed to lower or even nix their gap fees.
Dependents, including those with disabilities, can continue to enjoy the benefits of their parents' policy until they reach the age of 31.
HCi, or Health Care Insurance, is a member-owned, nonprofit health fund with roots going back to 1938. Hailing from Tasmania, the fund boasts over 10,000 members and is part of the Members Health alliance, a collective of nonprofit and mutual health funds.
HCi health insurance policies
- Hospital cover
- Extras cover
Why Choose HCi
- Premium Coverage: HCi's Gold Hospital with Premier Extras is a combo plan that offers some of the highest levels of both hospital and extras cover out there.
- Minimise Extra Costs: With HCi, you're connected to a network of over 30,000 private doctors who've agreed to lower or even nix their gap fees.
- Extended Family Support: Dependents, including those with disabilities, can continue to enjoy the benefits of their parents' policy until they reach the age of 31.
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.
Based on a single person living in Victoria, under 65 years old, earning <$93,000 per year.
Hospital Cover
- Gold Hospital: It covers all 38 clinical categories from the basics to the intricate stuff like heart disease and pregnancy. Choose from $250, $500, or $750 excess options.
- 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. Excess options are $250, $500, or $750.
- 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. Choose an excess of $500 or $750 to suit your budget.
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.
