HCI’s hospital products cover your necessary hospital treatment and a lot more.

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HCI’s Gold Hospital has got you covered with no exclusions, no restrictions or benefit limitations you can have confidence that when you go to hospital you and the medical expenses are taken care of.

HCI has two Hospital cover options available:

Gold Hospital

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.

Bronze Hospital

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
Rehabilitation (R)
Hospital psychiatric services (R)
Palliative care
Brain and nervous system
Eye (not cataracts)
Ear, nose and throat
Tonsils, adenoids and grommets
Bone, joint and muscle
Joint reconstructions
Kidney and bladder
Male reproductive system
Digestive system
Hernia and appendix
Gastrointestinal endoscopy
Miscarriage and termination of pregnancy
Chemotherapy, radiotherapy and immunotherapy for cancer
Pain management
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)
Dental surgery
Podiatry surgery (provided by a registered podiatric surgeon)
Implantation of hearing devices
Joint replacements
Dialysis for chronic kidney failure
Pregnancy and birth
Assisted reproductive services
Weight loss surgery
Insulin pumps
Pain management with device
Sleep studies
All other inpatient services where Medicare pays a benefit

(R) This is a Restricted Service.

It’s important to remember…

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.