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HCi

Reviewed and updated 16 March 2024

About HCi

What is HCi?

Health Care Insurance (HCi) is a private health insurer that operates as an open health fund.

Background

Established in 1938 in Tasmania, HCi is the oldest Tasmanian private health insurer and one of the oldest in Australia.

HCi has over 10,000 members.

Who can join HCi?

Anyone can join HCi because it is an open health fund.

What products does HCi offer?

HCi offers:

Do HCi policies include Ambulance Cover?

HCi includes emergency Ambulance Cover with some of its Extras Cover policies.

Check your policy for details.

Is HCi a not-for-profit health insurer?

Yes. HCi is a not-for-profit health insurer.

Does HCi operate in all Australian states and territories?

Yes. HCi operates in all Australian states and territories.

How does HCi Hospital Cover compare with other insurers?

Benchmarks	HCi	Industry average
Member retention for Hospital Cover	89.0%	88.6%
% hospital-related charges covered	92.8%	90.6%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

Does HCi have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. HCi has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

Location	Number of private Agreement Hospitals	Industry maximum
ACT	6	6
NSW	98	98
NT	2	2
QLD	60	60
SA	23	23
TAS	9	9
VIC	76	76
WA	24	24

HCi also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	9	9
NSW	103	103
NT	1	2
QLD	57	57
SA	30	30
TAS	8	8
VIC	79	79
WA	24	24

Source: HCi: performance

How does HCi Extras Cover compare with other insurers?

Benchmark	HCi	Industry average
% Extras Cover charges covered	45.3%	52.0%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

How does HCi compare with other private health insurers?

Key performance indicator	HCi	Industry average
Market share	0.1%	–
% services with no gap	91.8%	88.8%
% services with no gap or where known gap payment made	98.3%	97.4%
Market share of complaints to the PHIO	0.1%	–
% complaints investigated by the PHIO	0.0%	–
Benefits as a % of contributions	75.4%	83.1%
Management expenses as a % of contribution income	11.3%	9.9%
Management expenses per average policy	$527	$375

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

Is HCi a member of any industry associations?

Yes. HCi is a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.

Does HCi let me claim online or via an app?

Yes. HCi allows you to make a claim via the HCi app.

You can also claim on the spot with your HCi membership card.

How to contact HCi

Phone:

1800 804 950

Website:

https://www.hciltd.com.au/

Email:

enquiries@hciltd.com.au

Address:

25 Cattley Street
BURNIE TAS 7320

Postal address:

PO Box 931
BURNIE TAS 7320

Compare HCi with other private health insurance funds

Use our healthslips.com.au Calculator to find the best health insurance for you.

HCi

About HCi

What is HCi?

Background

Who can join HCi?

What products does HCi offer?

Do HCi policies include Ambulance Cover?

Is HCi a not-for-profit health insurer?

Does HCi operate in all Australian states and territories?

How does HCi Hospital Cover compare with other insurers?

Does HCi have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

How does HCi Extras Cover compare with other insurers?

How does HCi compare with other private health insurers?

Is HCi a member of any industry associations?

Does HCi let me claim online or via an app?

How to contact HCi

Compare HCi with other private health insurance funds

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