HCi’s hospital cover provides your necessary hospital treatment and a lot more.

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HCi’s Gold Hospital has got you covered with a range of excess options, no exclusions, no restrictions and no benefit limitations. You can have confidence that if you go to hospital, you can concentrate on getting better and we’ll take care of the rest.

Gold Hospital

Excess options $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. Find out more in our product summary.

Silver Plus Hospital

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 case of an unexpected accident or illnesses with access to the best possible treatment and care. For more details, please refer to our product summary.

Bronze Hospital

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, HCi's Bronze Hospital and Basic Hospital cover do have exclusions and limitations - refer to our product summary.

Basic Hospital

Excess options $500 $750

HCi's Basic Hospital cover is a low cost option for the absolute basics, with the added benefit of accident cover.

If you have an accident that requires admission to hospital for a treatment not related to any pre-existing illness, injury or condition, HCi will pay towards your treatment and accommodation fees.

Basic Hospital may also help you to minimise your tax by avoiding the Medicare levy surcharge (MLS) and/or the 2% per year Lifetime Health Cover (LHC) loading (if you get cover before your 31st birthday).

Please note not all procedures and services are covered - refer to our product summary.

You can combine Gold Hospital, Silver Plus Hospital, Bronze Hospital or Basic Hospital with our Extras products for a more comprehensive package.

Gold Hospital

Silver Plus Hospital

Bronze Hospital

Basic Hospital
Rehabilitation ✔ (R) ✔ (R)✔ (R)
Hospital psychiatric services ✔ (R) ✔ (R)✔ (R)
Palliative care ✔ (R) ✔ (R)
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.
* 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.

Please refer to our product summary for Basic Hospital inclusions.

Basic Hospital includes Accident Cover to help you pay for any necessary hospital admission because of an accident. An accident is any unforeseen event due to chance or caused by an external force or object, which results in an involuntary injury to the body requiring immediate or urgent medical treatment in hospital.

It’s important to remember…

HCi Gold Hospital does not have exclusions or limitations providing you have served the waiting period and any other standard conditions.

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up to

100%hospital accommodation costs


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