HCi Factsheet – Sleep apnoea and claims
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Sleep apnoea and HCi claims
27 March 2025
HCi recognises the impact of sleep apnoea on overall health, and we take several steps to support our members who have a medically confirmed sleep apnoea diagnosis and their treatment requirements.
Diagnostic testing
Depending on your level of HCi hospital cover, we include benefits for overnight sleep studies when admitted to hospital as a private patient. A hospital excess payment may apply.
If you have health screening checks covered in your HCi extras policy, then you may also be eligible for some costs associated with conducting overnight at-home diagnostic tests.
HCi cover for related health appliances and aids
HCi covers approved sleep apnoea appliances under eligible levels of extras cover, to help you offset the costs of medically necessary sleep apnoea mouthguards or Continuous Positive Airway Pressure (CPAP) appliances.
Claims may also be payable for CPAP masks and hoses that require periodic replacement.
While HCi can support eligible members with medically necessary equipment and treatment, the following items are not currently covered:
- Servicing and repair of sleep apnoea appliances or accessories,
- General accessories such as filters, cleaning wipes, travel cases, battery packs and power cords
- Machine rental costs or costs associated with trial devices.
Wellness and chronic disease management
Your extras policy may also cover support for approved lifestyle modification programs, such as weight loss or smoking cessation, that your medical provider may recommend to help your sleep apnoea.
Claims can be submitted securely using HCi’s Online Member Services (OMS).
NOTE: All claim benefits are subject to eligibility conditions. Waiting periods and benefit limits also apply, as outlined in your level of cover. You may be required to complete a Medical Declaration and have it signed by your health provider to confirm medical necessity.
HCi used its best endeavours to ensure this information was accurate at the time of publication. From time to time, circumstances relating to the subject matter may change which may impact the accuracy of the information. This information is also general in nature and does not take into account any specific health or financial situation. Before making any decisions in relation to this information, you should consider your own financial and health situation and seek professional advice. Health Care Insurance Ltd ABN 43 009 579 088. A Registered Private Health Insurer.
