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 membership
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

  • HCi’s Acess Gap Cover (AGC)

    Your doctor and medical team can potentially reduce your out-of-pocket expenses and increase the value of your health cover by participating in the HCi Access Gap Cover Scheme.

  • 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
Other information

// 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!