We make health insurance easy!

// AT HCi

Health insurance is easy!

We make private health insurance easy to understand, and have hospital, extras and combined cover for your peace of mind. All the cover you need, without the confusion!

PLUS: No new wait times when you switch to HCi from another health fund, on an equal or lower level of cover.

So let our friendly team show you the HCi way! It’s easy!

Additional programs

Cover choices (plus combinations!)

Satisfied members

// Hospital Cover

HCi’s hospital cover provides for your (and your dependants) necessary hospital treatment and a lot more.

HCi has four extras health insurance options available:

icon of an umbrella over a heart for HCi premier extras cover » HCi

Premier Extras

Gold Hospital with Premier Extras provides comprehensive cover over an extensive range of services.

white icon of an umbrella over a heart for HCi extras cover » HCi

Healthy Extras

Healthy Extras meets your needs of the now, designed to keep up with you and all of life’s demands.

white icon of an umbrella over a heart for HCi extras cover » HCi

Active life

Active Life Extras provides Extras cover for what you need without breaking the budget.

An outline icon of a blue umbrella over a heart for HCi basic extras cover » HCi

Basic Extras

Basic Extras provides affordable cover for the fit and healthy (only for singles and couples with Basic Plus or Bronze Plus Hospital).

Why choose HCi?

icon of a hand under » HCi

Get more benefits

Dental, optical, physio, chiro and more.

Solid orange icon of a light switch representing switching health funds to HCi » HCi

Switching is easy

Tired of your existing cover?

white icon of an apple with a heart monitor line » HCi

We've got you covered

Claiming made fast & easy

Peace of mind
Protecting and ensuring the health of you and your family is most important. Private health insurance gives you financial peace of mind in knowing that you have guarded against the large and unexpected hospital, medical and other health care bills..
Hospital treatment insurance

Medicare covers you for hospital and medical costs in a public hospital as a public patient. You have no choice of doctor and will usually be treated in a shared ward. In many cases, especially for elective surgery, there may be a substantial waiting time for the type of treatment you need.

Instead, by taking out private health insurance with HCi, you can be sure you will have greater control over who, where and when you are treated if you or your family require hospital treatment. In most cases, the waiting time for elective surgery will be significantly less than the public system. HCi provides access to over 500 private hospitals and day hospital facilities and more than 30,000 doctors.

Other health care treatments
Medicare does not cover the cost of treatment for dental, optical, physiotherapy, chiropractic and many other non-medical type services. HCi offers you Extras cover options which are designed to help offset the costs of these non-medical health services.
Avoid the Medicare Levy Surcharge

For those who are on high incomes, private health insurance also helps you avoid paying an additional Medicare Levy Surcharge.

Lifetime Health Cover (LHC) loading

The aim of the Federal Government’s Lifetime Health Cover (LHC) initiative is to encourage people to take out private health insurance hospital cover early in life. If you join earlier in life and continue private hospital cover, you will be rewarded with lower premiums than those who join later in life.

LHC is a financial loading that can be payable in addition to the base rate premium for your private health insurance hospital cover. To avoid paying a LHC loading, you need to purchase hospital cover by 1 July following your 31st birthday. If you purchase hospital cover after this date you may be required to pay a LHC loading – 2% for each year you are over 30. For instance, if you wait until you are 40, you could be paying an extra 20% on the cost of your hospital cover. If you wait until you are 50, you could pay 40% more. And so on, up to a maximum of 70%.

A smiling women with two young girls, all dressed in yellow rian coats and under a yellow umbrella representing HCi health insurance cover » HCi


Health Care Insurance (HCi)

HCi is a member owned and not-for-profit health fund that has been providing health insurance to the community for over 80 years! With competitive prices and friendly, personalised service for our valued members, we provide peace of mind by ensuring that you have access to the very best in hospital care and health services.

We are proud to have earned the tick from the Members Health Fund Alliance.

Get access to more than

Get access to over

Private Hospitals



Hospital Accommodation Costs

Man reclining on a couch, holding a table showing the HCi claiming app » HCi

HCi App

The HCi claiming app allows you to easily claim via your smart phone.

Get it on Google Play button » HCi
Available on the App Store button » HCi