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* When a newborn is added to a family, couples or single parent policy, the baby is deemed to have served the same waiting periods as the policy holder

Family Health Insurance

Health care for me, my partner and our kids up to 23-25 years

At HCI it's all about you and your family, and we offer affordable hospital packages with no excess charged on child admissions. We understand that with kids come extra expenses, so our extras cover includes orthodontics, audiology, speech therapy and generous pharmacy cover.

ME+US cover: covering me, my partner and all our kids (up to age 25 if full time student).

ALL OF US cover: covering me, my partner and all our kids (aged 23-25).


Existing HCI policyholders enjoy NO waiting periods* on new additions to the family

* When a newborn is added to a family, couples or single parent policy, the baby is deemed to have served the same waiting periods as the policy holder.

Hospital Cover for All of Us

HCI has two Hospital cover options available for your family - Gold Hospital and Bronze Hospital.

HCI’s Gold Hospital covers all clinical categories. HCI’s Bronze Hospital is an exclusionary product that won’t break the budget.  It should be noted whilst Gold Hospital cover is comprehensive, the lower cost Bronze Hospital cover does have exclusions and limitations.

There are different excess levels for you to choose from to either reduce your premiums now, or ensure lower out of pocket costs if you’re admitted to hospital.


Nil ($0) Excess $250 Excess $500 Excess $750 Excess

Gold		 ✔ ✔ ✔ ✘

Bronze		 ✘ ✘ ✘✔

Note that excess payments are waived for children’s hospital admissions.

For more information – refer to our Hospital Cover page.

Extras Health Cover for All of Us

HCI has three Extras cover options available for your family:

Gold Hospital with Premier Extras provides comprehensive cover over an extensive range of health services in this packaged hospital and extras policy.

Healthy Extras meets your family’s needs of the now, designed to keep up with you, your kids and all of life’s demands.  It covers the vast majority of extras services.  Take Healthy Extras as a standalone policy, or combine it with a  Bronze Hospital policy for a packaged hospital and extras policy.

Active Life Extras is tailored to give you and your children cover for the Extras services you need, including General Dental, Optical and Physiotherapy without breaking the budget. You can combine it with our Gold Hospital or Bronze Hospital.

Become a member

Join HCI now

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Health Care Insurance App

The new Health Care Insurance phone app allows you to easily claim through the use of your smart phone.

Get it on Google Play Available on the App Store