HCi health insurance

Is it a good health insurer?

HCi has 4 hospital policies in our comparison, from $181.59 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by HCi.

Explore 4 hospital products and 12 combined products. Sources for HCi

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 27 October 2026 · Prices effective 1 April 2026

I need cover for…

Compare cover across all Australian health funds.

HCi cover: the main choices.

For rehabilitation

Silver Plus Secure Hospital does not fully cover rehabilitation. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

Compare the cover, not just the premium

Compare Silver Plus Secure Hospital with nib and ahm before choosing on price. Their cover differs for dialysis for chronic kidney failure.

Compare selected alternatives

For assisted reproductive services

Silver Plus Advantage covers assisted reproductive services. Check the hospital cover for exclusions and restricted benefits before choosing.

HCi policies and example prices.

The profile you choose updates the HCi price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need an HCi price for your circumstances? Compare HCi with cover across all Australian health funds.

Compare my options

Hospital cover

4 product lines

HCi hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Basic Plus	Basic Plus HospitalBasic Plus Hospital	$85.02/monthat $750 excess	Policy details: Basic Plus Hospital
Bronze Plus	Bronze Plus HospitalBronze Plus Hospital	$109.32/monthat $750 excess	Policy details: Bronze Plus Hospital
Silver Plus	Silver Plus Secure HospitalSilver Plus Secure Hospital	$181.59/month	Policy details: Silver Plus Secure Hospital
Silver Plus	Silver Plus AdvantageSilver Plus Advantage	$193.88/month	Policy details: Silver Plus Advantage

Combined hospital and extras packages are priced as one policy.

JavaScript is off. Prices show Single / NSW / $500 excess; the shortlist shows cataracts and the alternatives show HCi Silver Plus Secure Hospital comparisons. All policy links remain available.

All HCi policy pages

What does HCi hospital insurance cover?

Choose a treatment

1 HCi hospital policy fully covers cataracts

Tier	Product	Monthly premium after rebate	Explore
Silver Plus	Silver Plus Secure HospitalSilver Plus Secure Hospital	$181.59/month	Check policy details: Silver Plus Secure Hospital

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 4 hospital policies

Selected HCi treatment categories.

Treatment	Basic Plus HospitalBasic Plus	Bronze Plus HospitalBronze Plus	Silver Plus Secure HospitalSilver Plus	Silver Plus AdvantageSilver Plus
Cataracts	Not included	Not included	Included	Not included
Joint replacements	Not included	Not included	Included	Not included
Heart and vascular system	Not included	Not included	Included	Included
Pregnancy and birth	Not included	Not included	Not included	Included
Assisted reproductive services	Not included	Not included	Not included	Included
Hospital psychiatric services	Restricted	Restricted	Restricted	Restricted
Rehabilitation	Restricted	Restricted	Restricted	Restricted
Insulin pumps	Not included	Not included	Not included	Not included

How we read hospital categories

HCi vs. nib vs. ahm

How HCi compares with similar hospital policies.

These are selected Silver Plus examples from nib and ahm, not identical policies or a search for the cheapest cover across the market.

Compare alternatives to

Comparing HCi Silver Plus Secure Hospital with nib Silver Advantage Hospital Plus and ahm Core Silver Plus. Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

HCi and selected alternatives: monthly prices and verified coverage differences.

Compare	HCiSilver Plus Secure HospitalReference policy	nib Silver Advantage Hospital Plus$34.05 more a month than HCi	ahm Core Silver Plus$5.88 more a month than HCi
Monthly premium after rebate	$181.59/month (lowest price in this row)	$215.64/month	$187.47/month
Rehabilitation	Restricted	Included (best cover in this row)	Included (best cover in this row)
Dialysis for chronic kidney failure	Included (best cover in this row)	Included (best cover in this row)	Not included
Cataracts	Included	Included	Included
Joint replacements	Included	Included	Included
Pregnancy and birth	Not included	Not included	Not included
Policy details	View HCi Silver Plus Secure Hospital	View nib Silver Advantage Hospital Plus	View ahm Core Silver Plus

Price assumptions

What the differences mean for you

Different policies can come with different treatment benefits. Check whether these differences matter for the cover you need.

Rehabilitation: included with nib and ahm; restricted with HCi.
Dialysis for chronic kidney failure: included with HCi and nib; not included with ahm.

These alternatives match HCi Silver Plus Secure Hospital on tier, cataracts and joint replacements. How we choose alternatives

Compare all 38 hospital treatment categories

HCi and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	HCiSilver Plus Secure Hospital	nib Silver Advantage Hospital Plus	ahm Core Silver Plus
Rehabilitation	Restricted	Included	Included
Insulin pumps	Not included	Not included	Not included
Pain management with a device	Not included	Not included	Not included
Dialysis for chronic kidney failure	Included	Included	Not included
Cataracts	Included	Included	Included
Joint replacements	Included	Included	Included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare HCi with cover from every Australian health fund.

Compare all funds

HCi against the industry.

HCi members had no gap on 89.2% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
HCi paid 44.7% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
HCi increased premiums by an average of 4.53% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

4.5 / 5

19 Google reviews

Voluntary customer reviews · HCi

Snapshot: 23 October 2026. This is HCi's listing, not a representative survey. This small sample may not reflect the experience of most members.

Read HCi reviews at the source

Complaint share is close to market share

Share of all complaints, 2024-250.1%

Market share, 30 June 20250.1%

0%12%

State of the Health Funds Report 2024-25 · checked 26 October 2026

HCi's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 0%.

Latest quarter, January to March 2026. The Ombudsman referred no complaints about HCi to it and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that HCi recognises your provider. Ask for a treatment plan and item numbers so HCi can estimate your benefits and out-of-pocket costs.
Official website
Make or track a claim
Use HCi's website for claims guidance and member login: receipts, claim tracking and remaining benefits are handled there.

Contact HCi

For general enquiries, call 1800 804 950.Contact details checked 6 October 2026.Official contact details and messaging options

Before you choose HCi.

Who owns HCi?

HCi is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.

Source: Government insurer profile, checked 6 October 2026.

What is the cheapest HCi hospital policy?

Silver Plus Secure Hospital is the cheapest HCi hospital policy for a single person in NSW with a $500 hospital excess, at $181.59 a month after the 24.118% government rebate for adults under 65 (prices effective 1 April 2026). This compares all 4 HCi hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Silver Plus Secure Hospital to Silver Plus Advantage?

HCi Silver Plus Advantage adds cover for pregnancy and birth and assisted reproductive services compared with Silver Plus Secure Hospital. It does not cover dialysis for chronic kidney failure, cataracts and 1 more category, which Silver Plus Secure Hospital includes. For the Single / NSW / $500 excess example it costs $12.29 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for HCi.

Policy information retrieved 26 October 2026. Prices effective 1 April 2026.

Private Health Information Statements · HCi · checked 26 October 2026
State of the Health Funds Report 2024-25 · HCi · checked 26 October 2026
Government insurer profile · HCi · checked 6 October 2026
Government premium-increase figures · HCi · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing · HCi · checked 23 October 2026
Official contact details · HCi · checked 6 October 2026

How we compare health insurers

Compare HCi policies Sources for HCi Back to top

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