It's all about making it convenient, quick and easy!

HCI prides itself on providing a high level of personal service to members and a comprehensive range of health insurance options at very competitive rates. HCI is a not-for-profit health insurer and is all about the members.

HCI understands the stresses of every day and can assist with out of pocket expenses. Extras cover helps you with every day health care costs like dental, optical, physio, acupuncture, chiro and many more wellness services keeping you happy, healthy and worry free. HCI is your ticket to being well, being covered and being well covered.

Natural Therapy

HCI extras cover a wide range of natural therapies including:

  • Chinese medicine (Consultation only)
  • Chiropractor
  • Massage
  • Myotherapy 
  • Osteopathy 

View a full list of extras

HCI recommends you carefully read all documentation provided about your membership and retain for future reference. When changes occur, HCI will advise you as soon as possible.

What we cover

accommodation cover

Up to 100% of hospital accommodation costs and theatre fees in all contracted hospitals and day surgery facilities in Australia.

Private room accommodation (if available).


Dental theatre costs for surgical tooth extraction by an oral surgeon.


Up to 100% of the cost of surgically implanted prostheses (as listed by the Federal Government).


Up to 100% of the cost of medical services provided during a hospital admission where the doctor charges above the Commonwealth Medical Benefit Scheme (CMBS) fee and chooses to use Access Gap Cover.

gap cover

100% of the cost of the difference between the Medicare refund and the Commonwealth Medical Benefit Scheme (CMBS) fee for medical services provided during a hospital admission.


Up to 100% of the cost of most hospital prescriptions relating to the admission. (Subject to hospital agreement details).

Become a member

For more information or assistance in choosing the right health cover for you, please contact one of our friendly staff or you can download HCI’s Guide to Cover.

The Guide to Cover booklet is a summary of the rules and policies of HCI and has been designed to clearly explain many of the entitlements and benefits available to you as 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