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* On an equal or lower level of health cover.  

Health Cover for me, myself and I

At HCI we are committed to providing the best level of health care that works for you, it’s that simple.  We understand the choices that are important to you, whether you want to be covered by Extras or Hospital insurance, or maybe a combined package - it's up to you.

We provide a range of options depending on your situation.  HCI’s health insurance cover gives you the peace of mind to be your best self. 

Health Insurance - no waiting period

No new wait times when you switch to Health Care Insurance from another health fund*!

*On an equal or lower level of health cover. 


Hospital Cover for Me

HCI has two Hospital cover options available for you - Gold Hospital and Bronze Hospital.

HCI’s Gold Hospital covers all clinical categories. HCI’s Bronze Hospital is an exclusionary product that won’t break the budget.  It should be noted whilst Gold Hospital cover is comprehensive, the lower cost Bronze Hospital cover does have exclusions and limitations.

There are different excess levels for you to choose from to either reduce your premiums now, or ensure lower out of pocket costs if you’re admitted to hospital.

Per Adult ExcessAPPLICATION OF HOSPITAL TREATMENT EXCESS
$250Gold Hospital only$500Gold Hospital only$750Bronze Hospital onlyNote the maximum excess per policy for all categories except Single is double the adult excess.
YesYesYesThe excess payable when admitted to hospital overnight.

There is no excess on day surgery for Gold Hospital $250 and $500 excess products.  Bronze Hospital products attract a $750 excess for both overnight and day surgery admissions

Extras cover

HCI has two Extras cover options available:

Gold Hospital with Premier Extras provides comprehensive cover over an extensive range of services. Gold Hospital with Premier Extras includes Gold Hospital cover.

Healthy Extras meets your needs of the now, designed to keep up with you and all of life’s demands. You can combine it with our Bronze Hospital for a more comprehensive cover.

Active Life Extras is tailored to give you cover for what you need without breaking the budget. You can combine it with our Gold Hospital or Bronze Hospital.

Become a member

Health Care Insurance App

The new Health Care Insurance phone app allows you to easily claim through the use of your smart phone.

Get it on Google Play Available on the App Store