HCi
fund code HCI · Open membership
Health insurance
HCi sells 1,164 open policies with hospital cover (300 hospital-only, 864 combined with extras, counting one per state and household type) in all states, grouped below into 44 products. Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Silver Plus Advantage 500 | Silver Plus | Hospital | $500 | None | 30 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $238.47 – $635.54 | ||
| Silver Plus Advantage 750 | Silver Plus | Hospital | $750 | None | 30 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $204.58 – $623.86 | ||
| Silver Plus Hospital $250/$500 excess | Silver Plus | Hospital | $250 | None | 31 | 2 | QLD | PSingle parent | $376.50 | ||
| Silver Plus Secure Hospital $250 excess | Silver Plus | Hospital | $250 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $249.83 – $268.93 | ||
| Silver Plus Secure Hospital $250/$500 excess | Silver Plus | Hospital | $250 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $349.79 – $645.44 | ||
| Silver Plus Secure Hospital $500 excess | Silver Plus | Hospital | $500 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $227.45 – $246.24 | ||
| Silver Plus Secure Hospital $500/$1000 excess | Silver Plus | Hospital | $500 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $318.46 – $590.97 | ||
| Silver Plus Secure Hospital $750 excess | Silver Plus | Hospital | $750 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $210.66 – $234.03 | ||
| Silver Plus Secure Hospital $750/$1500 excess | Silver Plus | Hospital | $750 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $294.93 – $561.60 | ||
| Silver Plus Advantage & Top Extras | Silver Plus | Combined | $500 | None | 30 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $362.03 – $1,043.54 | ||
| Silver Plus Advantage & Top Extras | Silver Plus | Combined | $750 | None | 30 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $348.47 – $1,016.05 | ||
| Silver Plus Advantage 500 & Active Life Extras | Silver Plus | Combined | $500 | None | 30 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $286.72 – $751.34 | ||
| Silver Plus Advantage 500 & Healthy Extras | Silver Plus | Combined | $500 | None | 30 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $325.45 – $857.13 | ||
| Silver Plus Advantage 750 & Active Life Extras | Silver Plus | Combined | $750 | None | 30 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $252.82 – $732.92 | ||
| Silver Plus Advantage 750 & Healthy Extras | Silver Plus | Combined | $750 | None | 30 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $299.22 – $845.41 | ||
| Silver Plus Hospital - $750/$1500 excess with Active Life Extras | Silver Plus | Combined | $750 | None | 31 | 2 | VIC | PSingle parent | $391.23 | ||
| Silver Plus Secure & Top Extras | Silver Plus | Combined | $250 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $359.83 – $1,053.44 | ||
| Silver Plus Secure & Top Extras | Silver Plus | Combined | $500 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $337.45 – $998.97 | ||
| Silver Plus Secure & Top Extras | Silver Plus | Combined | $750 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $320.66 – $961.01 | ||
| Silver Plus Secure Hospital - $250 excess with Active Life Extras | Silver Plus | Combined | $250 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $290.90 – $317.19 | ||
| Silver Plus Secure Hospital - $250 excess with Healthy Extras | Silver Plus | Combined | $250 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $323.21 – $361.26 | ||
| Silver Plus Secure Hospital - $250/$500 excess with Active Life Extras | Silver Plus | Combined | $250 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $407.27 – $761.25 | ||
| Silver Plus Secure Hospital - $250/$500 excess with Healthy Extras | Silver Plus | Combined | $250 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $452.51 – $867.04 | ||
| Silver Plus Secure Hospital - $500 excess with Active Life Extras | Silver Plus | Combined | $500 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $268.52 – $294.48 | ||
| Silver Plus Secure Hospital - $500 excess with Healthy Extras | Silver Plus | Combined | $500 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $300.82 – $338.56 | ||
| Silver Plus Secure Hospital - $500/$1,000 excess with Active Life Extras | Silver Plus | Combined | $500 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $375.95 – $706.77 | ||
| Silver Plus Secure Hospital - $500/$1,000 excess with Healthy Extras | Silver Plus | Combined | $500 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $421.19 – $812.55 | ||
| Silver Plus Secure Hospital - $750 excess with Active Life Extras | Silver Plus | Combined | $750 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $251.73 – $279.48 | ||
| Silver Plus Secure Hospital - $750 excess with Healthy Extras | Silver Plus | Combined | $750 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $284.03 – $326.35 | ||
| Silver Plus Secure Hospital - $750/$1,500 excess with Healthy Extras | Silver Plus | Combined | $750 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $397.65 – $783.19 | ||
| Silver Plus Secure Hospital - $750/$1500 excess with Active Life Extras | Silver Plus | Combined | $750 | None | 31 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $352.41 – $670.66 | ||
| Bronze Plus Hospital $750 excess | Bronze Plus | Hospital | $750 | None | 22 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $123.11 – $150.49 | ||
| Bronze Plus Hospital $750/$1500 excess | Bronze Plus | Hospital | $750 | None | 22 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $172.35 – $361.13 | ||
| Bronze Plus Hospital $750 & Basic Extras | Bronze Plus | Combined | $750 | None | 22 | 2 | NSW, VIC, QLD, SA, WA, TAS | SCSingle, Couple | $150.14 – $365.87 | ||
| Bronze Plus Hospital $750 excess with Active Life Extras | Bronze Plus | Combined | $750 | None | 22 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $171.35 – $198.73 | ||
| Bronze Plus Hospital $750 excess with Healthy Extras | Bronze Plus | Combined | $750 | None | 22 | 2 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $217.75 – $242.80 | ||
| Bronze Plus Hospital $750/$1500 excess with Active Life Extras | Bronze Plus | Combined | $750 | None | 22 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $239.91 – $476.94 | ||
| Bronze Plus Hospital & Healthy Extras | Bronze Plus | Combined | $750 | None | 22 | 2 | NSW, VIC, QLD, SA, WA, TAS | CFPCouple, Family, Single parent | $304.84 – $582.72 | ||
| Basic Plus Hospital $750 excess | Basic Plus | Hospital | $750 | None | 0 | 5 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $83.81 – $114.23 | ||
| Basic Plus Hospital $750/$1500 excess | Basic Plus | Hospital | $750 | None | 0 | 5 | NSW, VIC, QLD, SA, WA, TAS | CCouple | $167.62 – $228.40 | ||
| Basic Plus Hospital $750 & Basic Extras | Basic Plus | Combined | $750 | None | 0 | 5 | NSW, VIC, QLD, SA, WA, TAS | SCSingle, Couple | $110.85 – $293.29 | ||
| Basic Plus Hospital $750 excess with Active Life Extras | Basic Plus | Combined | $750 | None | 0 | 5 | NSW, VIC, QLD, SA, WA, TAS | SSingle | $132.05 – $162.47 | ||
| Basic Plus Hospital $750/$1500 excess with Active Life Extras | Basic Plus | Combined | $750 | None | 0 | 5 | NSW, VIC, QLD, SA, WA, TAS | CCouple | $264.12 – $324.90 | ||
| Basic Plus Hospital $750/$1500 excess with Healthy Extras | Basic Plus | Combined | $750 | None | 0 | 5 | NSW, VIC, QLD, SA, WA, TAS | SCSingle, Couple | $178.45 – $413.05 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 0 of 38 categories covered, 5 restricted, 33 not covered
Restricted Blood, Hospital psychiatric services, Palliative care, Rehabilitation, Sleep studies
Not covered Assisted reproductive services, Back, neck and spine, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Tonsils, adenoids and grommets, Weight loss surgery
Products Basic Plus Hospital $750 excess (Basic Plus, hospital); Basic Plus Hospital $750/$1500 excess (Basic Plus, hospital); Basic Plus Hospital $750 & Basic Extras (Basic Plus, combined); Basic Plus Hospital $750 excess with Active Life Extras (Basic Plus, combined); Basic Plus Hospital $750/$1500 excess with Active Life Extras (Basic Plus, combined); Basic Plus Hospital $750/$1500 excess with Healthy Extras (Basic Plus, combined)
Cover profile 2 · 22 of 38 categories covered, 2 restricted, 14 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Lung and chest, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Weight loss surgery
Products Bronze Plus Hospital $750 excess (Bronze Plus, hospital); Bronze Plus Hospital $750/$1500 excess (Bronze Plus, hospital); Bronze Plus Hospital $750 & Basic Extras (Bronze Plus, combined); Bronze Plus Hospital $750 excess with Active Life Extras (Bronze Plus, combined); Bronze Plus Hospital $750 excess with Healthy Extras (Bronze Plus, combined); Bronze Plus Hospital $750/$1500 excess with Active Life Extras (Bronze Plus, combined); Bronze Plus Hospital & Healthy Extras (Bronze Plus, combined)
Cover profile 3 · 31 of 38 categories covered, 2 restricted, 5 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Insulin pumps, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Silver Plus Hospital $250/$500 excess (Silver Plus, hospital); Silver Plus Secure Hospital $250 excess (Silver Plus, hospital); Silver Plus Secure Hospital $250/$500 excess (Silver Plus, hospital); Silver Plus Secure Hospital $500 excess (Silver Plus, hospital); Silver Plus Secure Hospital $500/$1000 excess (Silver Plus, hospital); Silver Plus Secure Hospital $750 excess (Silver Plus, hospital); Silver Plus Secure Hospital $750/$1500 excess (Silver Plus, hospital); Silver Plus Hospital - $750/$1500 excess with Active Life Extras (Silver Plus, combined); Silver Plus Secure & Top Extras (Silver Plus, combined); Silver Plus Secure Hospital - $250 excess with Active Life Extras (Silver Plus, combined); Silver Plus Secure Hospital - $250 excess with Healthy Extras (Silver Plus, combined); Silver Plus Secure Hospital - $250/$500 excess with Active Life Extras (Silver Plus, combined) and 9 more
Cover profile 4 · 30 of 38 categories covered, 2 restricted, 6 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Weight loss surgery
Products Silver Plus Advantage 500 (Silver Plus, hospital); Silver Plus Advantage 750 (Silver Plus, hospital); Silver Plus Advantage & Top Extras (Silver Plus, combined); Silver Plus Advantage 500 & Active Life Extras (Silver Plus, combined); Silver Plus Advantage 500 & Healthy Extras (Silver Plus, combined); Silver Plus Advantage 750 & Active Life Extras (Silver Plus, combined); Silver Plus Advantage 750 & Healthy Extras (Silver Plus, combined)
Extras profiles
Extras profile 1 · 7 services
Services Chiropractic, General dental, Exercise physiology, Optical, Osteopathy, Physiotherapy, Vaccinations
Products Bronze Plus Hospital $750 & Basic Extras (Bronze Plus, combined); Basic Plus Hospital $750 & Basic Extras (Basic Plus, combined)
Extras profile 2 · 12 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Major dental, Endodontic, Exercise physiology, Optical, Osteopathy, Physiotherapy, Remedial massage, Vaccinations
Products Silver Plus Advantage 500 & Active Life Extras (Silver Plus, combined); Silver Plus Advantage 750 & Active Life Extras (Silver Plus, combined); Silver Plus Hospital - $750/$1500 excess with Active Life Extras (Silver Plus, combined); Silver Plus Secure Hospital - $250 excess with Active Life Extras (Silver Plus, combined); Silver Plus Secure Hospital - $250/$500 excess with Active Life Extras (Silver Plus, combined); Silver Plus Secure Hospital - $500 excess with Active Life Extras (Silver Plus, combined); Silver Plus Secure Hospital - $500/$1,000 excess with Active Life Extras (Silver Plus, combined); Silver Plus Secure Hospital - $750 excess with Active Life Extras (Silver Plus, combined); Silver Plus Secure Hospital - $750/$1500 excess with Active Life Extras (Silver Plus, combined); Bronze Plus Hospital $750 excess with Active Life Extras (Bronze Plus, combined); Bronze Plus Hospital $750/$1500 excess with Active Life Extras (Bronze Plus, combined); Basic Plus Hospital $750 excess with Active Life Extras (Basic Plus, combined) and 1 more
Extras profile 3 · 26 services
Services Acupuncture, Audiology, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Health management programs, Hearing aids, Home nursing, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthoptics, Orthotics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy, Vaccinations
Products Silver Plus Advantage & Top Extras (Silver Plus, combined); Silver Plus Advantage 500 & Healthy Extras (Silver Plus, combined); Silver Plus Advantage 750 & Healthy Extras (Silver Plus, combined); Silver Plus Secure & Top Extras (Silver Plus, combined); Silver Plus Secure Hospital - $250 excess with Healthy Extras (Silver Plus, combined); Silver Plus Secure Hospital - $250/$500 excess with Healthy Extras (Silver Plus, combined); Silver Plus Secure Hospital - $500 excess with Healthy Extras (Silver Plus, combined); Silver Plus Secure Hospital - $500/$1,000 excess with Healthy Extras (Silver Plus, combined); Silver Plus Secure Hospital - $750 excess with Healthy Extras (Silver Plus, combined); Silver Plus Secure Hospital - $750/$1,500 excess with Healthy Extras (Silver Plus, combined); Bronze Plus Hospital $750 excess with Healthy Extras (Bronze Plus, combined); Bronze Plus Hospital & Healthy Extras (Bronze Plus, combined) and 1 more
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (36 products)
- Waiting profile 2: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (8 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/hci.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Premiums change without notice, usually on 1 April each year, and insurers apply waiting periods, exclusions and eligibility rules not fully captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.