HCi Health insurance factsheets for members

HCi ~ health cover explained!

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The health insurance and related information factsheets listed below can help you stay informed and make informed decisions.

If you have any further questions after reading our health insurance factsheets, 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 HCi membership factsheets

Who are your dependants?

Find out who can be a dependant on your HCi policy
Common HCi membership tasks

Find out how to suspend your memebrship, update your details, and more
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
Extras health insurance limits explained

Annual limits apply to how much you can claim from your HCi policy, so find out what this means to you
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.
Understanding the Medicare Levy Surcharge (MLS)

Find out if your hospital cover protects you from paying the Government MLS or if you can change your cover to avoid the surcharge

Making HCi claims easy

Extras health insurance limits explained

Annual limits apply to how much you can claim from your HCi policy, so find out what this means to you
HCi support for Sleep apnoea

HCi cover can help support sleep apnoea through claims for sleep clinicis and CPAP machines
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
Claiming orthodontic treatments

Orthodontic treatments can be expensive, and having extras cover with HCi may help offset some of the costs

Planning a trip to hospital factsheets

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 Access 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 information

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 health information

Understanding doctors bills

Doctors will generally bill you for their services. Our factsheet will help you understand how this works
Government incentives for private health insurance

The Federal Government helps make health cover affordable through a rebate, and implements a Medicare Levy Surcharge and Lifetime Health Cover loading for those without cover

// MANAGING YOUR ACCOUNT

OMS, your HCi Portal

OMS, or Online Member Services, is your portal to access HCi 24/7.

Easy and secure claiming!

When you have to claim, simply update the receipt pdf or take a photo of your service provider’s receipts and submit!

And you can see past claims to keep tabs on your health and your limits.