Join HCi

We invite you to join HCi today!

At HCi, we are committed to providing the best health cover for you and your family, it’s that easy. So our private health insurance is easy to understand, and delivers both comprehensive and affordable health care for singles, couples and families. All for your peace of mind.


Why join HCi?

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Get more benefits

Dental, optical, physio, chiro and more.

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Switching is easy

Tired of your existing cover?

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We've got you covered

Claiming made fast & easy

 Join HCi for 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 any large and unexpected hospital, medical and other health care bills.

Join HCi for that peace of mind, plus the knowledge you can contact us for assistance – and speak to a real person who understands YOUR cover.

Hospital treatment cover

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 your treatment.

By taking out HCi hospital cover, you can be sure that if you or your family require hospital treatment you will have greater control over who, where and when you are treated. 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.

Government incentives means more savings

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

To avoid paying a Lifetime Health Cover (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 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%.

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.

Cooling off when you join HCi

Don’t worry – we give all our new members a cooling-off period of 30 days. This can also include members changing HCi policies.

Our cooling off policy lets you cancel your membership within 30 calendar days with a full refund of any paid fees. Your cooling-off period starts as soon as you join. It ends on the 30th day or when you make a claim, whichever is first. 

// Switch to HCi

Solid green icon of a light switch representing switching health funds to HCi » HCi Switching from another fund?

There’s no new wait times when you switch to HCi from another health fund.* And it only takes a few minutes to get it going.

It’s easy! Simply fill out our online intent to join form or our Membership Application making sure the Clearance Request section is completed, and HCi will take care of the rest!

* For the same or equivalent cover. Waiting periods may apply if you get higher levels of HCi cover than at your previous fund.

Manage your membership in OMS, your member portal


You can update your details, submit claims and see your claiming history.

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