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* 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 full time student and remain on parent's policy.

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

Membership
Category
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.
USNoYesYesThe excess for each of the first two adults admitted to hospital overnight. The excess is restricted to $500 per adult.
US+NoYesYesThe excess for each of the first two adults admitted to hospital overnight. The excess is restricted to $500 per adult.

There is no excess on day surgery for Gold Hospital $500 excess products.  Bronze Hospital products attract a $750 excess for both overnight and day surgery admissions

Become a member

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.