Family Health Insurance

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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

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).

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	✔	✔	✔	✔
Silver Plus	✘	✔	✔	✔
Bronze	✘	✘	✘	✔

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

For more information – refer to our Hospital Cover page.

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Extras cover

HCI has three Extras cover options available:

You can combine either Active Life or Healthy Extras with our Gold Hospital, Silver Plus Hospital or Bronze Hospital for a more comprehensive cover.

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Gold Hospital with Premier Extras

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

Healthy Extras

Healthy Extras meets your needs of the now, designed to keep up with you and all of life’s demands. It covers the vast majority of extras services.

Active Life Extras

Active Life Extras is tailored to give you extras health cover for services you need, including General Dental, Optical and Physiotherapy without breaking the budget.

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HCI App

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

All of Us