HCi
19 open policies in the October 2026 data. Anyone can join.
This insurer is a mutual organisation that operates on a not-for-profit basis.
hciltd.com.au, phone 1800 804 950
- Hospital
- 5
- Hospital and extras
- 14
- Extras
- 0
- Closed to new members
- 18
How its premiums compare in NSW & ACT
HCi's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.
- BasicHospital only$112.049th cheapest of 20
- BronzeHospital only$144.0716th cheapest of 21
- SilverHospital only$223.6419th cheapest of 21
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is Basic Plus Hospital, at $112.04 a month before the rebate with a $750 excess: 9th cheapest of 20 insurers. See every insurer
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze Plus Hospital, at $144.07 a month before the rebate with a $750 excess: 16th cheapest of 21 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Silver Plus Secure Hospital, at $223.64 a month before the rebate with a $750 excess: 19th cheapest of 21 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option.
- NSW & ACT$112.04 to $261.79
- VIC$110.33 to $267.44
- QLD$114.23 to $268.93
- SA$107.15 to $261.63
- WA$83.81 to $261.63
- TAS$111.39 to $252.03
- NSW & ACT$139.08 to $431.79
- VIC$137.37 to $422.44
- QLD$146.67 to $438.93
- SA$134.19 to $421.63
- WA$110.85 to $421.63
- TAS$133.02 to $362.03
Show the figures
| State | Hospital | Hospital and extras |
|---|---|---|
| NSW & ACT | $112.04 to $261.79 | $139.08 to $431.79 |
| VIC | $110.33 to $267.44 | $137.37 to $422.44 |
| QLD | $114.23 to $268.93 | $146.67 to $438.93 |
| SA | $107.15 to $261.63 | $134.19 to $421.63 |
| WA | $83.81 to $261.63 | $110.85 to $421.63 |
| TAS | $111.39 to $252.03 | $133.02 to $362.03 |
What HCi covers, and what it pays back
Hospital
Its 19 hospital policies come with a choice of $250, $500 or $750 excess. HCi doesn't offer the youth discount, up to 10% off for people who join between 18 and 29, though 67% of hospital policies on the market do.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. For ambulance, 12 leave ambulance out and seven cover emergency ambulance trips only.
Extras
HCi has 14 policies with extras, covering anywhere from 7 to 26 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $45.00typical policy $35.20
- $80.00typical policy $66.85
- $800.00typical policy $773.80
- $300.00typical policy $220.00
- $70.00typical policy $42.00
- $80.00typical policy $75.00
Its highest yearly limits for a single
- General dental$1,650typical policy $800
- Major dental$1,650typical policy $1,000
- Optical$300typical policy $220
- Physiotherapy$750typical policy $450
- Chiropractic$500typical policy $400
- Psychology$300typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 5
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic Plus Hospital | Basic Plus | $83.81WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $750 |
| Bronze Plus Hospital | Bronze Plus | $123.11WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $750 |
| Silver Plus Advantage | Silver Plus | $204.58WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $500, $750 |
| Silver Plus Secure Hospital | Silver Plus | $210.66TAS | NSW & ACT, VIC, QLD, SA, WA, TAS | $250, $500, $750 |
| Silver Plus Hospital | Silver Plus | $376.50Single parent, QLD | QLD | $250 |
Hospital and extras policies 14
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic Plus Hospital & Basic Extras | Basic Plus | $110.85WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $750 |
| Basic Plus Hospital with Active Life Extras | Basic Plus | $132.05WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $750 |
| Basic Plus Hospital with Healthy Extras | Basic Plus | $178.45WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $750 |
| Bronze Plus Hospital & Basic Extras | Bronze Plus | $150.14WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $750 |
| Bronze Plus Hospital with Active Life Extras | Bronze Plus | $171.35WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $750 |
| Bronze Plus Hospital with Healthy Extras | Bronze Plus | $217.75WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $750 |
| Bronze Plus Hospital & Healthy Extras | Bronze Plus | $304.84Single parent, WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $750 |
| Silver Plus Secure Hospital - with Active Life Extras | Silver Plus | $251.73TAS | NSW & ACT, VIC, QLD, SA, WA, TAS | $250, $500, $750 |
| Silver Plus Advantage & Active Life Extras | Silver Plus | $252.82WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $500, $750 |
| Silver Plus Secure Hospital - with Healthy Extras | Silver Plus | $284.03TAS | NSW & ACT, VIC, QLD, SA, WA, TAS | $250, $500, $750 |
| Silver Plus Advantage & Healthy Extras | Silver Plus | $299.22WA | NSW & ACT, VIC, QLD, SA, WA, TAS | $500, $750 |
| Silver Plus Secure & Top Extras | Silver Plus | $320.66TAS | NSW & ACT, VIC, QLD, SA, WA, TAS | $250, $500, $750 |
| Silver Plus Advantage & Top Extras | Silver Plus | $348.47TAS | NSW & ACT, VIC, QLD, SA, WA, TAS | $500, $750 |
| Silver Plus Hospital - with Active Life Extras | Silver Plus | $391.23Single parent, VIC | VIC | $750 |
HCi also has 18 older policies (2,045 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about HCi
- Who can join HCi?
- Anyone can join. HCi sells 19 policies to new members (5 hospital-only and 14 combined), going by the October 2026 data.
- How much is HCi hospital cover?
- Its cheapest hospital policy for a single is $83.81 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
- How much does HCi pay for a dental check-up?
- Up to $45.00 for a check-up (dental item 012) on its Silver Plus Advantage & Top Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.