Protect Your Health & Wellbeing with HCI
Cut through the complexity of private health insurance with HCi. We offer clear and simple hospital, extras, and combined cover, giving you real peace of mind—no confusing fine print.
Best Part: Switch to HCi, and we’ll waive any new wait times for cover equal to or less than your current plan!
HCi does things differently. As a not-for-profit health fund, our focus is entirely on you—our member. Profits are reinvested to provide exceptional service and highly competitive rates, delivering comprehensive cover without the premium price. Discover the simple, friendly HCi way and get covered today.
Why Choose HCI?
Wellness Support
Benefit from programs designed to promote healthy lifestyles and overall wellbeing.
Preventive Care Programs
Stay ahead with services and initiatives focused on prevention and early detection.
Wide Provider Network
Access a large network of hospitals, specialists, and allied health professionals for quality care.
Flexible Coverage Options
Choose plans tailored to your needs, whether for individuals, families, or couples.
Quick Claims Processing
Enjoy fast and hassle-free claims for a smoother healthcare experience.
Member-Focused Service
Receive personalised support and guidance from a dedicated customer care team.
Our Health Fund Partners
Ready to Get Covered?
Health Insurance FAQs
What is the Medicare Levy Surcharge?
The MLS is an additional tax of 1-1.5% for high-income earners who don’t have private hospital cover. Having hospital cover can save you money if you earn above the threshold.
What are waiting periods?
Waiting periods are the time you must wait before you can claim benefits. Most funds have 2 months for extras, 12 months for pre-existing conditions, and 12 months for pregnancy.
Can I claim on day one?
For accidents, you can usually claim immediately. For general treatments, you’ll need to wait until your waiting periods have been served.
What is Lifetime Health Cover?
LHC means if you don’t take out hospital cover by July 1 after your 31st birthday, you’ll pay 2% extra on your premiums for every year you delay, up to a maximum of 70%.