HCi factsheets ~ health insurance cover explained!
The health insurance and related information factsheets listed below can help you stay informed and make informed decisions.
We will continue to add information and resources to help you with your health insurance needs, so remember to come back now and again!
Navigating your HCi membership factsheets
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Who are your health insurance dependants?
Find out who can be a dependant on your HCi policy
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Authorised person access to your account
You can authorise someone to manage your account for or with you
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Understand medical eligibility requirements
Read about medical eligibility for specific medical aids, appliances and medications
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Adding a baby to your policy
Having a baby is exciting, but its important to add your new child to your policy as early as possible
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Accessing OMS, the HCi member portal
OMS is a tool to help you make claims and manage your HCi membership
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Common HCi membership tasks
Find out how to suspend your membership, update your details, and more
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Learn about membership suspensions
Pausing your membership while overseas or in financial hardship is possible under specific criteria
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Why have health insurance
Private health insurance offers you peace of mind, potential tax savings and, frequently, earlier treatment
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What is a pre-existing condition?
You generally cannot immediately claim for treatments on pre-existing conditions, so find out what this means in real terms
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Extras health insurance limits explained
Limits apply to how much you can claim from your HCi policy each year, so find out what this means to you
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Annual private health insurance tax statements
Each year we prepare a tax statement for you to help with your tax return. Our factsheet explains what it is and how you can use it
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Explaining annual health insurance premium reviews
Every April, the health insurance industry (as a whole) adjusts annual premiums – find out why and how it impacts HCi members.
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Understanding the Medicare Levy Surcharge (MLS)
Find out if your hospital cover protects you from paying the Government MLS or if you can change your cover to avoid the surcharge
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Cybersecurity for HCi members
Make sure you are protecting your personal information, and rest assured we are taking all reasonable steps to protect your health insurance data
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Secondary payment accounts for dependants
For adult dependants who pay their own medical bills, a secondary account may be an option
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Medical privacy for members and dependants
Adult dependants may request a privacy block for their claims history – find out more in this factsheet
Making HCi claims easy
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Extras health insurance limits explained
Annual limits apply to how much you can claim from your HCi policy, so find out what this means to you
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Understand medical eligibility requirements
Learn about medical eligibility for specific medical aids, appliances and medications
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HCi vaccination cover
Find out what vaccination cover you and your dependants are eligible for
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Support for Sleep apnoea
HCi cover can help support sleep apnoea through claims for sleep clinics and CPAP machines
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Making health insurance claims on pharmacy needs
Many prescription medications are available on the Government PBS scheme, but some can be claimed under HCi extras cover
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Claiming orthodontic treatments
Orthodontic treatments can be expensive, and having extras cover with HCi may help offset some of the costs
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Medical braces and supports claims
Various orthopaedic devices can reduce pain and aid healing, but not all are covered – the factsheet explains HCi claims
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Claiming vapes and vaping items
Understand the rules around therapeutic use of vapes and vaping products, and the impact on claims
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Medicinal cannabis cover and claims
Prescribed medicinal cannabis may be covered in some situations – find out what can be claimed
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Hospital cover for fertility and IVF services
Understand the rules around therapeutic use of vapes and vaping products, and the impact on claims
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Claiming for diabetes treatment and management
Find out how HCi can help make living with diabetes a bit more affordable
Planning a trip to hospital factsheets
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Why have health insurance
Private health insurance offers you peace of mind, potential tax savings and, frequently, earlier treatment
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Outpatient costs and Medicare factsheet
Find out the fee difference for outpatients and inpatients, and who pays for what
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What is the (medical) Gap?
When being admitted into hospital, you are likely to hear about “gap fees” or out-of-pocket expenses, and it’s important to understand what this means
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HCi’s Access Gap Cover (AGC)
Your doctor and medical team can potentially reduce your out-of-pocket expenses and increase the value of your health cover by participating in the HCi Access Gap Cover Scheme.
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What is a pre-existing condition?
You generally cannot immediately claim for treatments on pre-existing conditions, so find out what this means in real terms
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Public hospitals and health insurance
If admitted in a public hospital, you may be asked if you want to be a private or public patient
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Informed financial consent factsheet
Before agreeing to surgery and procedures, you may be asked to sign a letter of informed financial consent. Make sure you know what that means
Preventative health information
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Physio, chiro or osteo?
When suffering aches and pains, recovering from injury, or having problems with movement or mobility, physio, chiro or osteo can help
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HCi support for necessary weight loss programs
Find out which weight loss programs (but not products) can be claimed under HCi extras cover
Other health & health insurance factsheets
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Understanding doctor fees & bills
Doctors will generally bill you for their services. Our factsheet will help you understand how this works
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Government incentives for private health insurance
The Federal Government helps make health cover affordable through a rebate, and implements a Medicare Levy Surcharge and Lifetime Health Cover loading for those without cover
// MANAGING YOUR ACCOUNT
your HCi Portal – OMS
OMS, or Online Member Services, is your portal to access HCi 24/7.
Easy and secure claiming!
When you have to claim, simply upload the receipt pdf or take a photo of your service provider’s receipts and submit!
And you can see past claims to keep tabs on your health and your limits.