switch-graphic.png#asset:505
* 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.

Nil ($0) Excess $250 Excess $500 Excess $750 Excess

Gold		 ✔ ✔ ✔ ✘

Bronze		 ✘ ✘ ✘ ✔

For more information – refer to our Hospital Cover page.

Extras cover

HCI has three Extras cover options available:

Gold Hospital with Premier Extras provides comprehensive cover over an extensive range of health services in this packaged hospital and extras policy.

Healthy Extras meets your needs of the now, designed to keep up with you and all of life’s demands.  It covers the vast majority of extras services.  Take it as a standalone policy, or  combine it with a Bronze Hospital policy for a packaged hospital and extras policy.

Active Life Extras is tailored to give you extras health cover for services you need, including General Dental, Optical and Physiotherapy without breaking the budget. You can combine it with our Gold Hospital or Bronze Hospital.

Become a member

Join HCI now

We are _
access to more than

16,000

Doctors

500

Private
Hospitals
get a quote today

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