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All HCI hospital cover includes our Access Gap Cover at no extra charge, helping to reduce or eliminate out-of-pocket (gap costs) between the Medicare Benefits Schedule Fee and the doctor’s charge for in-hospital medical treatment.

If your doctor agrees to treat you under Access Gap Cover, you will either have no out-of-pocket expenses or you will know the amount of any out-of-pocket expenses before your hospital treatment. Contact HCI before going into hospital to ensure you are informed about benefit payments.

Note: Health Funds cannot pay any medical benefits for treatment not involving a hospital admission, such as surgical procedures conducted in doctors’ rooms.