The following important information relates to your HCi membership. If you have any further questions, please contact our friendly team on 1800 804 950 or via HCi Chat.
HCi members may apply for suspension of their membership if they have held HCi cover for at least 12 months and paid all contributions due as of the application date.
Suspension of membership can be approved on two grounds:
- the member’s absence from Australia for 28 days to two years.
- the member’s financial hardship for 1 to 6 months.
Periods of suspension of hospital cover do not count towards the cumulative absence allowed by Lifetime Health Cover legislation.
If a HCi member reinstates membership and pays premiums within 30 days of the period suspension ending, no new waiting periods need to be served.
For overseas travel suspension, please call us or complete our overseas suspension form.
For a financial hardship suspension, call us on 1800 804 950 for details of what you need to provide in your application.
If you choose to cease your hospital cover, any future hospital cover premiums will be subject to the Lifetime Health Cover provisions dealing with periods of absence.
Please note that high income earners will be subject to the Medicare Levy Surcharge (MLS) during a period of suspended hospital cover.
If you’re considering cancelling your health insurance, or would like to suspend your membership, contact us on 1800 804 950 or via HCi Chat.
Compensation and damages
HCi does not pay claims for services or treatment where you are entitled to receive compensation or damages from another source. Where an accident or illness is caused by the actions of another party, HCi expects that you will pursue a claim for compensation or damages from the party concerned. HCi may, however, make provisional payments where compensation or damages are claimable by you, provided you agree to repay such payments from your final settlement.
If you become involved in circumstances where compensation or damages may be claimable by you, please call us on 1800 804 950 to seek clarification of your entitlements.
If you fall more than two months in arrears for your HCi premiums, your membership may be ceased.
Acceptance of arrears payments after two months is not automatic, so please talk to us if you need time to pay. Please note that HCi does not pay claims for treatment while you are in arrears.
Benefit limitation periods
Some private health insurers apply Benefit Limitation Periods (BLP) for certain types of treatments and hospital policies. BLP are applied after your waiting period has finished and a lower than normal benefit is paid.
HCi does not apply BLP for members.
At HCi, we value your opinion. So, if a product or service does not meet your expectations, we want to know about it. Talk to us – our team is here to listen. We want your feedback and aim to solve any questions or concerns on the spot. You can call us on 1800 804 950, use HCi Chat, or email us at email@example.com or write to PO Box 931, Burnie TAS 7320.
In managing your complaints, HCi will seek to resolve your matter at first point of call. If that is not possible, HCi will:
- keep you informed of the process
- investigate your complaint and respond to you within 5 business days
- provide you with a final response within 45 days.