Basic Plus Hospital with Healthy Extras
A Basic Plus hospital and extras policy from HCi.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement HCi files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, WA, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $750
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
HCi's page for this policyAgainst every other Basic hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Basic95 policies$204.3778th cheapest of 95
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
0 of 38 clinical categories covered in full, 5 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Restricted5
- Not covered33
Restricted 5
- Blood
- Hospital psychiatric services
- Palliative care
- Rehabilitation
- Sleep studies
Not covered 33
- 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
Waiting periods
- Pre-existing conditions
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $750, paid when you are admitted.
From the insurer: The waiting period for Accident Cover is 2 months. The excess does not apply to any dependants under the age of 18.
Pays towards 26 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$1,100typical policy $800
- Major dentalshared with endodontic (root canals), orthodontics$1,650typical policy $1,000
- Optical$240typical policy $220
- Physiotherapyshared with exercise physiology$700typical policy $450
- Chiropracticshared with 4 other services$500typical policy $400
- Psychology$250typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$39.00typical policy $35.20
- Scale and clean (item 114)$72.00typical policy $66.85
- Full crown, veneered (item 615)$600.00typical policy $773.80
- Single vision lenses and frames$240.00typical policy $220.00
- Physiotherapy, first visit$60.00typical policy $42.00
- Psychology, first visit$70.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | 2 months | $1,100 | - | Periodic oral exam (item 012): $39.00Scale and clean (item 114): $72.00Fluoride treatment (item 121): $28.00Simple extraction (item 322): $130.00 |
| Major dental | 12 months | $1,650shared with endodontic (root canals), orthodontics | - | Full crown, veneered (item 615): $600.00 |
| Endodontic (root canals) | 12 months | $1,650shared with major dental, orthodontics | - | Root canal filling (item 417): $150.00 |
| Orthodontics | 12 months | $1,650shared with major dental, endodontic (root canals) | - | Braces, upper and lower, with retainer (item 881): 100% |
| Optical | 6 months | $240 | - | Multifocal lenses and frames: $240.00Single vision lenses and frames: $240.00 |
| Non-PBS medicines | 2 months | $700 | - | Non-PBS prescription: $75.00 |
| Physiotherapy | 2 months | $700shared with exercise physiology | - | Physiotherapy, first visit: $60.00Physiotherapy, later visit: $60.00 |
| Chiropractic | 2 months | $500shared with 4 other services | - | Chiropractic, first visit: $40.00Chiropractic, later visit: $40.00 |
| Podiatry | 2 months | $1,000shared with 5 other services | - | Podiatry, first visit: $45.00Podiatry, later visit: $45.00 |
| Psychology | 2 months | $250 | - | Psychology, first visit: $70.00Psychology, later visit: $70.00 |
| Acupuncture | 2 months | $500shared with 4 other services | - | Acupuncture, first visit: $40.00Acupuncture, later visit: $40.00 |
| Remedial massage | 2 months | $500shared with 4 other services | - | Remedial massage, first visit: $40.00Remedial massage, later visit: $40.00 |
| Hearing aids | 36 months | $1,600, 2 every 3 years | - | Hearing aid: $800.00 |
| Blood glucose monitors | 12 months | $300, 1 every 3 years | - | Blood glucose monitor: $300.00 |
| Audiology | 2 months | $200 | - | Audiology, first visit: $35.00Audiology, later visit: $35.00 |
| Chinese herbal medicine | 2 months | $500shared with 4 other services | - | Chinese herbal medicine, first visit: $40.00Chinese herbal medicine, later visit: $40.00 |
| Dietetics | 2 months | $1,000shared with 5 other services | - | Dietetics, first visit: $45.00Dietetics, later visit: $45.00 |
| Exercise physiology | 2 months | $700shared with physiotherapy | - | Exercise physiology, first visit: $60.00Exercise physiology, later visit: $60.00 |
| Orthoptics | 2 months | $1,000shared with 5 other services | - | Orthoptics, first visit: $45.00Orthoptics, later visit: $45.00 |
| Health management programs | 2 months | $300 | - | Health management program: $120.00 |
| Home nursing | 2 months | $500 | - | Home nursing, first visit: $45.00Home nursing, later visit: $45.00 |
| Occupational therapy | 2 months | $1,000shared with 5 other services | - | Occupational therapy, first visit: $45.00Occupational therapy, later visit: $45.00 |
| Orthotics | 2 months | $1,000shared with 5 other services | - | Orthotics: $200.00 |
| Osteopathy | 2 months | $500shared with 4 other services | - | Osteopathy, first visit: $40.00Osteopathy, later visit: $40.00 |
| Speech therapy | 2 months | $1,000shared with 5 other services | - | Speech therapy, first visit: $45.00Speech therapy, later visit: $45.00 |
| Vaccinations | 2 months | $250 | $500 | Vaccination: $30.00 |
Not covered: antenatal and postnatal.
Other services: Group physio/hydrotherapy session $20 per service. Flu vaccination 1 per calendar year $30 per service. Other eligible vaccines $75 per service. For eligible medicinal cannabis prescriptions a 12 month waiting period applies
A 12 month waiting period applies to eligible medicinal cannabis prescriptions.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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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.