HCI has two Hospital cover options available:
HCI’s Gold Hospital cover ensures you can have total confidence in your hospital cover.
Gold Hospital does not have any exclusions or limitations when it comes to the necessary treatment. As long as you have served the relevant waiting periods and the service is eligible for a Medicare benefit HCI has you covered.
HCI’s Bronze Hospital cover is an exclusionary product that won’t break the budget.
It should be noted whilst Gold Hospital cover is comprehensive, the Bronze Hospital cover does have exclusions and limitations.
You can combine either Gold Hospital or Bronze Hospital with our extras products in a for a more comprehensive package.
|Procedure||Gold Hospital||Bronze Hospital|
|Hospital psychiatric services||✔||✔ (R)|
|Brain and nervous system||✔||✔|
|Eye (not cataracts)||✔||✔|
|Ear, nose and throat||✔||✔|
|Tonsils, adenoids and grommets||✔||✔|
|Bone, joint and muscle||✔||✔|
|Kidney and bladder||✔||✔|
|Male reproductive system||✔||✔|
|Hernia and appendix||✔||✔|
|Miscarriage and termination of pregnancy||✔||✔|
|Chemotherapy, radiotherapy and immunotherapy for cancer||✔||✔|
|Breast surgery (medically necessary)||✔||✔|
|Diabetes management (excluding insulin pumps)||✔||✔|
|Heart and vascular system||✔||✘|
|Lung and chest||✔||✘|
|Back, neck and spine||✔||✘|
|Plastic and reconstructive surgery (medically necessary)||✔||✘|
|Podiatry surgery (provided by a registered podiatric surgeon)||✔||✘|
|Implantation of hearing devices||✔||✘|
|Dialysis for chronic kidney failure||✔||✘|
|Pregnancy and birth||✔||✘|
|Assisted reproductive services||✔||✘|
|Weight loss surgery||✔||✘|
|Pain management with device||✔||✘|
|All other inpatient services where Medicare pays a benefit||✔||✘|
(R) This is a Restricted Service.
HCI Gold Hospital does not have exclusions or limitations when it comes to necessary treatment providing you have served the waiting period and any other standard conditions.