HCi ~ health cover explained!
The health insurance and related information listed below can help you stay informed and make informed decisions.
If you have any further questions after reading our health insurance information, or have suggestions for new topics, please contact us via HCi Chat, email or phone.
We will continue to add information and resources to help you with your health insurance needs, so remember to come back now and again!
Navigating your membershi
Who are your dependants?
Find out who can be a dependant on your HCi policy
Why have health insurance
Private health insurance offers you peace of mind, potential tax savings and, frequently, earlier treatment
What is a pre-existing condition?
You generally cannot immediately claim for treatments on pre-existing conditions, so find out what this means in real terms
Making health insurance claims on pharmacy needs
Many prescription medications are available on the Government PBS scheme, but some can be claimed under HCi extras cover
Annual private health insurance tax statements
Each year we prepare a tax statement for you to help with your tax return. Our factsheet explains what it is and how you can use it
Understanding annual health insurance premium reviews
Each April, the health insurance industry (as a whole) increases premiums – find out why and how it impacts HCi. Note no HCi increases in 2023!
Planning a trip to hospital
Why have health insurance
Private health insurance offers you peace of mind, potential tax savings and, frequently, earlier treatment
Outpatient costs and Medicare
Find out the fee difference for outpatients and inpatients, and who pays for what
What is the (medical) Gap?
When being admitted into hospital, you are likely to hear about “gap fees” or out-of-pocket expenses, and it’s important to understand what this means
What is a pre-existing condition?
You generally cannot immediately claim for treatments on pre-existing conditions, so find out what this means in real terms
Public hospitals
If admitted in a public hospital, you may be asked if you want to be a private or public patient
Informed financial consent
Before agreeing to surgery and procedures, you may be asked to sign a letter of informed financial consent. Make sure you know what that means
preventative health
physio, chiro or osteo?
When suffering aches and pains, recovering from injury, or having problems with movement or mobility, physio, chiro or osteo can help
HCi Support For Necessary Weight Loss Programs
Find out which weight loss programs (but not products) can be claimed under HCi extras cover
Other information
Understanding doctors bills
Doctors will generally bill you for their services. Our factsheet will help you understand how this works
// Mobile App
HCi App
The HCi claiming app allows you to easily claim at any time via your mobile!
Download the app and, when you have to claim, simply take a photo of your service provider’s receipts and submit!
