Excess options NIL $250 $500 $750
HCI’s Gold Hospital cover ensures that you can have total confidence in your hospital cover.
As long as you have served the relevant waiting periods and the service is eligible for a Medicare benefit, HCI has got you covered.
Excess options $250 $500 $750
HCI’s Silver Plus Hospital cover has all the benefits of Gold Hospital with pregnancy and some other infrequent procedures removed.
If your family is complete or you are childfree and not planning a family in the near future this product is for you. You’ll still be covered in the event of an unexpected accident or illnesses with access to the best possible treatment and care.
Excess options $750
HCI’s Bronze Hospital cover provides simple Hospital cover 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.
Silver Plus Hospital
|Rehabilitation||✔||✔ (R)||✔ (R)|
|Hospital psychiatric services||✔||✔ (R)||✔ (R)|
|Palliative care||✔||✔ (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.
* For Bronze Hospital, plastic surgery which is medically necessary and related to the treatment of a skin-related condition is covered under the “Skin” clinical category.
HCI Gold Hospital does not have exclusions or limitations providing you have served the waiting period and any other standard conditions.