* On an equal or lower level of cover

Health care for me and my kids up to 25 years

At HCI it's all about you and your household, and we offer affordable hospital packages with no excess charged on child admissions. We understand that with kids come extra expenses so our extras include orthodontics, audiology, speech therapy and generous pharmacy cover.

US cover: covering kids up to age 25 if they are full time students and remain on the parent's policy.

US+ cover: covering kids who are 23-25 years, no longer studying and remain on the parent's policy.

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


Silver Plus


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

For more information – refer to our Hospital Cover page.

Become a member

Extras Health Cover for Us

HCI has three Extras cover options available for you and your children:

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

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

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