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* On an equal or lower level of cover

Health care for me and my kids

At HCI it's all about you and your household, and we offer affordable hospital packages with no excess charged on child admissions under the age of 18. We understand that with kids come extra expenses so our extras include dental, physiotherapy, massage, glasses and many other therapies.

US cover: covering kids up to their 25th birthday if they are full time students and remain on their parent's policy#.

US+ cover: covering kids who are 23 up to 24 years, no longer studying and remain on the parent's policy#.

(As of a dependants 25th birthday, they will be no longer covered by their parent or guardians policy and should consider their own cover options).

#Conditions Apply

Hospital Cover for Us

HCI has two Hospital cover options available for you and your children - 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

Silver Plus

Bronze

Note that excess payments are waived for children’s hospital admissions.

For more information – refer to our Hospital Cover page.

Become a member

Extras cover

HCI has three Extras cover options available:

You can combine either Active Life or Healthy Extras with our Gold Hospital, Silver Plus Hospital or Bronze Hospital for a more comprehensive cover.

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Gold Hospital with Premier Extras

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

Healthy Extras

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.

Active Life Extras

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.

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HCI App

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

Get it on Google Play Available on the App Store