Join HCi

At HCi, we are committed to providing the best level of health care for you and your family, it’s that simple. So we are here to ensure that private health insurance is easy to understand and delivers both comprehensive and affordable health care.

We invite you to join HCi today!


Why choose 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

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..

Avoid the Medicare Levy Surcharge

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

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 private health insurance, 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.

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.

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. By joining earlier in life and continuing hospital cover, you will be rewarded with lower fees than if you join later in life.

LHC is a financial loading that can be payable in addition to the base rate premium for your hospital cover.

Join soon to avoid the LHC

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 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%.

// Make the switch

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 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, make policy changes and see your claiming history.

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// 30 DAYS

Cooling off Period

A cooling off period of 30 days applies to all new HCi members.

So you’ve decided health insurance isn’t for you at this time.

Don’t worry – we give all our new members a cooling-off period of 30 days.

Any member who has not made a claim within 30 days of starting their health cover, is entitled to cancel their policy and receive a full refund of any contributions paid.

We know it’s a hard decision and understand how it feels. Our team can help you with your membership cancellation and ensure any contributions are returned to you without delay or frustration, so you can get on living your life.

Give us a call on 1800 804 950 or email and ask us about the 30 days cooling-off period.

Our team will sort everything and make it simple.

// 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!