Health insurance factsheets for HCi members

HCi factsheets ~ health insurance cover explained!

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The health insurance and related information factsheets listed below can help you stay informed and make informed decisions.

If you have any further questions after reading our health insurance factsheets, or have suggestions for new topics, please contact us via HCi Chat, email or phone.

We will continue to add information and resources to help you with your health insurance needs, so remember to come back now and again!

Smiling couple relaxing on a couch and looking at a tablet for HCi health cover information (like factsheets)

Navigating your HCi membership factsheets

Who are your health insurance dependants?

Find out who can be a dependant on your HCi policy
Authorised person access to your account

You can authorise someone to manage your account for or with you
Understand medical eligibility requirements

Read about medical eligibility for specific medical aids, appliances and medications
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
Common HCi membership tasks

Find out how to suspend your membership, update your details, and more
Learn about membership suspensions

Pausing your membership while overseas or in financial hardship is possible under specific criteria
Why have health insurance

Private health insurance offers you peace of mind, potential tax savings and, frequently, earlier treatment
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
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
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
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.
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
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
Secondary payment accounts for dependants

For adult dependants who pay their own medical bills, a secondary account may be an option
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

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
Understand medical eligibility requirements

Learn about medical eligibility for specific medical aids, appliances and medications
HCi vaccination cover

Find out what vaccination cover you and your dependants are eligible for
Support for Sleep apnoea

HCi cover can help support sleep apnoea through claims for sleep clinics and CPAP machines
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
Claiming orthodontic treatments

Orthodontic treatments can be expensive, and having extras cover with HCi may help offset some of the costs
Medical braces and supports claims

Various orthopaedic devices can reduce pain and aid healing, but not all are covered – the factsheet explains HCi claims
Claiming vapes and vaping items

Understand the rules around therapeutic use of vapes and vaping products, and the impact on claims
Medicinal cannabis cover and claims

Prescribed medicinal cannabis may be covered in some situations – find out what can be claimed
Hospital cover for fertility and IVF services

Understand the rules around therapeutic use of vapes and vaping products, and the impact on claims
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

Why have health insurance

Private health insurance offers you peace of mind, potential tax savings and, frequently, earlier treatment
Outpatient costs and Medicare factsheet

Find out the fee difference for outpatients and inpatients, and who pays for what
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
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.
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
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
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

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
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

Understanding doctors bills

Doctors will generally bill you for their services. Our factsheet will help you understand how this works
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.