HCi offers different extras cover products to suit your needs. The following information applies to all extras products and should be read in conjunction with your product summary.

SWITCHING TO HCI?

It’s easy to switch to HCi from another fund – and we’ll even arrange to cancel your old cover for you!

When you join, tell us about any previous cover and we’ll do the rest. We’ll generally recognise equivalent waiting periods already served on your prior cover providing you join HCi within 30 days of leaving your old fund – waiting periods will generally apply for higher levels of cover.

WAITING PERIODS

A waiting period applies when you join HCi, or change your cover to include new or upgraded services. We won’t pay claims for relevant items during a waiting period.

PRIVACY

HCi respects your privacy and is committed to keeping your personal information safe. You can read more in our Privacy Policy.

Joining HCi is easy!

Membership is open to all Australian residents, and those who have Medicare eligibility. Call us to join instantly, or complete and return our application form.

CLAIMING MADE EASY

Claims can be made using your membership card (through eligible providers), OMS, a claims form or in our office.

We pay eligible claims for covered services if

• any relevant waiting periods are complete
• the provider is HCi recognised and approved
• goods and services are supplied within Australia
• it is claimed within 2 years of the date of service
• a receipt and any required documentation is provided.

Our extras cover doesn’t include a few things, such as

• treatments and services provided by a family member or business partner
• non-prescription glasses and sunglasses, or optical consultations
• items for sport, recreation or entertainment
• exercise accessories and equipment
• repeat treatments or services on the same day
• claims above what you paid (eg if you had a discount so paid $40 instead of $60, we will only assess a claim for $40)
• materials or supplies associated with Chinese medicine.

ADDITIONAL INFORMATION for extras claims

Our website details all our hospital and extras cover options. You can also find fact sheets, forms and our member guide on the site.

Some other things worth noting:

• Claims are not payable for covered services where you may be able to claim compensation, damages or benefits from another source (eg WorkCover), whether or not you receive compensation from that source.
• Claims are not payable during any period in which your membership is unfinancial (ie not paid at least 2 weeks in advance) or suspended (eg while overseas).
• Vaccination claims require a receipt confirming details of who received what vaccination.