HCi disclaimer
HCi all about making health insurance convenient, quick and easy!
We also keep things as safe as possible. Read the following HCi disclaimer for details.
www.hciltd.com.au is provided and maintained by Health Care Insurance Pty Ltd (HCi), ABN 43 009 579 088.
HCi disclaimer for the website
The HCi website falls into two main components – the main, public website (known as “the website”) and the member portal (known as “Online Member Services” or “OMS”). Content of either component of our site may change at any time.
HCi provides the following information to help you understand our website and obligations, as well as your rights and responsibilities when dealing with HCi digitally. The HCi disclaimer includes our OMS terms and social media policies.
Your use of the HCi website
HCi welcomes you to our website and invites you to use it for lawful, personal and non-commercial purposes.
You must not use the HCi website or OMS, nor post on HCi social media platforms, in any way which
- invades someone else’s privacy
- is unlawful or encourages unlawful behaviours
- may violate or infringe upon the rights of others, including their right to access this website
- is abusive, obscene, defamatory, racist, incites hatred, or causes distress to other people
- affects the functionality of the website or portal, or their associated servers or computer systems
HCi reserves the right to monitor and investigate any reported or apparent violation of our terms. We will take any action deemed appropriate for the specific violation of our terms.
About the HCi website
Where we have provided links to other businesses and sites that may be of interest or value to you, HCi does not recommend, endorse, or accept responsibility for any information, product or service provided by such businesses, nor for the appropriate functioning of those sites. Access to and use of external website or their materials will be subject to their own terms and conditions, which we suggest you check when accessing those websites or materials.
The HCi site is operated by Australian residents in Tasmania, Australia, for the use of Australians. All site visitors and the HCi team are bound by these terms which are governed by the law in Tasmania and subject to courts in that state. Accessing this site outside of Australia is done at your own risk, and the liability of meeting local laws is your responsibility.
HCi reserves the right to amend these terms and conditions and this website at any time without notice.
Website security
Neither HCi nor its directors and staff warrant that the operation of this site will be uninterrupted or error free, nor that the site is suitable for any particular purposes or has any performance, functionality or security features other than as legally required to be provided.
HCi disclaimer re providing information
While every effort is made to ensure the information on our website, portal and social media platforms is current and complete, HCi takes no responsibility for any errors or omissions. Site visitors should confirm all information with the relevant organisation listed before acting on such information.
The information on this website is general factual information and is not intended to be personal medical or financial advice. Before you make any decision about acquiring or continuing an HCi membership, please contact us or consider the HCi member guide.
If there is any discrepancy between our website and the HCi Fund Rules, the Fund Rules will be the final authority.
Privacy and online data
Please read our privacy notice for information on how we respect our members’ trust by keeping their details confidential.
HCi takes reasonable steps to protect any information you provide via our website. We cannot guarantee that information transmitted over the internet is completely secure. There are risks in using any website, including the HCi site, despite our efforts to secure and encrypt any information sent to us. Therefore, provision of information is a sign that you accept that providing information via our site is at your own risk.
Data that may be temporarily stored on a user’s device by the app (such as cached files) can be removed at any time by clearing the device’s cache.
Online Member Services (OMS)
HCi offers a secure online portal for members called OMS (or Online Member Services). It can only be accessed with a member number and password. Members can see their claims history, access their tax statement, update details, get claims quotes and pay premiums, at OMS via our website at any time.
Registration on the PMS portal and use of OMS indicates that you agree to the following OMS terms and conditions.
The OMS software is provided to HCi and members by HAMB Systems Limited (ABN 44 053 315 772). It is on a separate server to the main HCi website.
OMS connections are encrypted. Members require a registered email address, member number and MFA code to access their account. Please refer to our cybersecurity factsheet for ways you can help secure your access and data.
Emails and electronic delivery of documents
HCi may electronically provide documents you request or that we are required by law to provide to you. Provision of such materials is generally through links on this site. You can print or electronically store a copy of such documents for your future reference.
HCi occasionally sends emails to groups of members. Such emails never ask for log in details and will usually include your first name within the email. If you are not sure if an email is legitimately from HCi, please call us before clicking on any links in the email.
HCi abides by the Australian Spam Act 2003 and takes reasonable steps to comply with international anti-spam laws. Emails are only sent to our members or those who have provided permission for us to email them (whether by subscribing to an update on our website or by contacting us directly with a query). Email addresses are not lent, sold or otherwise given to external mailing lists but may be disclosed to medical providers in the course of managing your health cover.
HCI disclaimer for social media use
HCi has always welcomed constructive feedback from our members and the greater community. We see our social media platforms as an excellent way of providing the means of further engagement.
Furthermore, our social media pages are not for specific servicing enquiries. Whilst we will try and answer any queries in as timely a manner as possible, it may be more effective to contact our customer service team directly via HCi Chat, 1800 804 950 or enquiries@hciltd.com.au.
Non HCi content
At HCi we invite your feedback, and encourage you to actively engage with us online in a respectful manner. We do, however, reserve the right to moderate the content. Thus, we may remove content that is:
We will review all posted content, including links, and remove any that we believe is inappropriate.
Note we may also block users from posting to our pages.
Even though social media operates 24/7, we do not monitor our pages outside of normal working hours. As we may not be aware of any inappropriate content straight away, we encourage other users to ignore these comments and report them to HCi. We also encourage anyone with concerns or negative feedback to contact us directly either on 1800 804 950, HCi Chat or enquiries@hciltd.com.au during normal office hours.
HCi disclaimer for HCi intellectual property
The intellectual property (including trademarks and copyright) of all information on the HCi website and within OMS is owned by HCI, or used under appropriate licensing.
The information is provided for your personal reference. You may use and print information on this site for personal use or for fair dealing for study, review, criticism, reporting news or satire as permitted under the Copyright Act 1968 (Cth). Otherwise, you cannot modify, reproduce, copy, republish, print, or distribute the material on this website. Other than copying the information onto hard copy for your personal use.
Any software (including associated images and files) we make available on this site may be downloaded for your use. However, you cannot distribute, sell, decompile, reverse engineer or otherwise repurpose the software.