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* On an equal or lower level of cover  

Cover for me, myself and I

At HCI we are committed to providing the best level of health care for you, it’s that simple. We understand what’s important to you, whether you only want Extras or Hospital cover, or maybe a combined package, it's up to you.

We provide a range of options depending on your situation and our Active Life Extras still provides cover over a range of services including General Dental, Optical and Physiotherapy. HCI gives you the confidence and comprehensive coverage to be your best self. 

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.

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