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Compare Health Care Insurance (HCI) health insurance

How Health Care Insurance rates for member complaints, gap cover and ambulance cover.

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HCI summary

Health Care Insurance (HCI) is a nonprofit health fund established in 1938. Based in Tasmania, it's owned entirely by its members and has more than 10,000 members.

HCI contact details

Phone: 1800 804 950

Email: enquiries@hciltd.com.au

Website: hciltd.com.au

Is HCI nonprofit?

Yes.

Does HCI get many complaints from members?

HCI complaints rating: Medium

  • When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.
  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is HCI's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that Health Care Insurance covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

How many hospital agreements does HCI have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements HCI has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does HCI offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None

Does HCI offer ambulance cover?

HCI Premier Extras and Premier Package policies have emergency ambulance.

Does HCI offer family policies that cover adult children?

Yes, adult children are covered up to age 23 if not living with a partner and up to age 25 if in full-time study and not living with a partner.

Does HCI let you claim online or in-app?

Claim via email or app (iOS and Android). No online claiming.

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