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Private health insurance premiums in Australia have increased by an average of 4.41% from April 1, 2026, marking the largest hike in nearly a decade. This rise, approved by the federal government, will cost households an estimated extra $80 to $160 annually.Private health insurance premiums in Australia have increased by an average of 4.41% from April 1, 2026, marking the largest hike in nearly a decade. This rise, approved by the federal government, will cost households an estimated extra $80 to $160 annually.
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HCi Health Insurance Review 2025

Compare 56 HCI Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.

HCI Health Insurance - Quick Facts

Policies56
Hospital From$83.81/mo
Customer reviews
4.5 stars/ 19 reviews
PHIO
🟢 Good Service RecordBased on 5 complaints  |  Oct 2024 – Sep 2025

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (7 April 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with HCI Health.

Ready to compare?

See all 56 HCI Health policies side-by-side with personalised pricing.

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (February 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with HCI Health.

Explore HCI Health Policies

HCI Health offers 56 health insurance policies across three coverage types. Prices shown are for Single, NSW, Age 30, $500 excess.

Hospital Cover

15 policies covering private hospital treatment, from $83.81* per month. Ranges from Basic tier (lowest coverage, avoid Medicare Levy Surcharge) to Gold tier (highest coverage, most treatments included).

15 policies available
From:$83.81/mo*
*For Single
View Policies

Extras Cover

No extras policies currently available from HCi.

0 policies available
From:$0/mo*
*For Single
View Policies

Combined Cover

41 policies bundling both hospital and extras coverage, from $110.85* per month. Combined policies often include a discount (typically 2–5%) compared to purchasing hospital and extras separately.

41 policies available
From:$110.85/mo*
*For Single
View Policies
Policy Name
Type
Tier
Price*
Hospital
Extras
Silver Plus Secure Hospital - with Active Life Extras
Combined
Silver+
$251.73
Bronze Plus Hospital & Basic Extras
Combined
Bronze+
$150.14
Basic Plus Hospital & Basic Extras
Combined
Basic+
$110.85
Silver Plus Advantage
Hospital
Silver+
$204.58
-
Bronze Plus Hospital
Hospital
Bronze+
$123.11
-
Basic Plus Hospital
Hospital
Basic+
$83.81
-

*Prices for Single, NSW, Age 30, $500 excess. Actual prices may vary — confirm with HCI Health directly. Update profile settings ↑

HCI Health Pricing Overview

Based on PrivateHealth.gov.au data (last updated 7 April 2026), HCI Health's policies for Single cover start from:

Hospital Only

From:$83.81/mo*

Combined

From:$110.85/mo*

*Prices reflect your profile: Single, NSW, Age 30, $500 excess.
Actual premiums may vary — always obtain an official quote from HCI Health before making decisions. Update your profile ↑

Customer Reviews

Google Reviews
4.5out of 5
Based on 19 reviewsReviews sourced from Google Reviews (April 2026).

What HCI Specialises In

Find policies suited to your situation. Prices are indicative only.

Extras Coverage
Dental General
Optical
Physiotherapy
Chiropractic
Exercise Physiology
Osteopathy
Vaccinations
Dental Major

All prices shown are indicative only and were last updated using data from PrivateHealth.gov.au. Actual prices may vary based on individual circumstances. Please confirm pricing directly with insurers.

Customer Service Record & Complaints

HCI Health competes primarily with other mid-sized insurers focused on competitive pricing and simplified product ranges. Key competitors include Medibank, Bupa, and NIB.

Good Service Record5 complaints in Oct 2024 – Sep 2025 · 100% resolved internallySource: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26
Official PHIO Data

Based on official data from the Private Health Insurance Ombudsman (PHIO), HCi has a Good Service Record.

5Complaint Rateper 1% market share
0%Investigation Rateno formal investigations
100%Resolution Rateresolved internally

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26 (Jul–Sep 2025). Note: All health insurers receive some complaints. Lower rates indicate better service and faster internal resolution of member concerns.

Complaint breakdown

5
Complaints
0.2
Mkt Share %
100%
Resolved
Quarter-on-Quarter: complaint volume unchanged (1 complaints)

Complaints per Quarter

Latest quarter
Previous quarters
2
Oct-Dec '24
1
Jan-Mar '25
1
Apr-Jun '25
1
Jul-Sep '25

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26

Top Complaint Categories — All Insurers Combined
Industry-wide from all 35+ insurers, Q1 2025-26. Not specific to AIA Health.
Disputes referred to insurer80%
Resolved at first contact20%
How AIA Health Addresses These

Good Service Record — resolves most member concerns before they escalate to the Ombudsman.

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26. 849 total complaints industry-wide across all 35+ Australian health insurers.

HCI Health vs Industry Average - Complaint Rate per 1% Market Share

5
5 complaints
HCI Health
7.36
Industry Avg

HCi's rate appears higher due to small market share (0.2%). With just 1 complaints, the normalised calculation inflates the number. In absolute terms, far fewer than major insurers.

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26

How to Resolve Issues

1
Contact HCI Health1800 804 950 or enquiries@hciltd.com.au
2
Request Internal ReviewIf unsatisfied, request a formal review.
3
Contact the OmbudsmanFree: 1800 640 695 or privatehealth.gov.au/ombudsman

Data Source: Private Health Insurance Ombudsman (PHIO) Quarterly Update Q1 2025-26 (Jul–Sep 2025). Complaint data is independently collected and published by the Commonwealth Ombudsman's office. Update Frequency: Ombudsman data is updated quarterly (Jan, Apr, Jul, Oct). This page reflects the most recent publicly available PHIO data. Last updated: December 2025.

Learn how Ombudsman ratings are calculated →

Compare HCI Health to Competitors

How HCi compares to other Australian health insurers based on pricing, service record, and product range.

PricingCompare HCi's premiums against other funds for similar coverage levels.
Service RecordOmbudsman complaint data from PHIO Oct 2024 – Sep 2025 shows how each fund handles member issues.
Product rangeHCi offers 56 policies — compare the breadth of coverage options available.
Market PositionHCi holds 0.2% market share among Australian health insurers.
HCiHCi
MedibankMedibank
BupaBupa
Policies
56
748
745
Rating
4.5/5
2.6/5
3.5/5
Hospital From*
$83.81/mo
$55.25/mo
$60.65/mo
Type
For-profit
For-profit
For-profit
Service
🟢 Good
🟠 Average
🟢 Good

*For Single in NSW. Service record data from PHIO Q1 2025-26. Update profile ↑

Contact & Support

PhoneGeneral: 1800 804 950Claims: 1800 804 950Mon-Fri 8am-6pm AEST
Emailenquiries@hciltd.com.au
Onlinehttps://www.hciltd.com.au
Mail25 Cattley StreetBurnieTAS7320

Frequently Asked Questions

All information provided in these FAQs is general information only and does not constitute financial, insurance, or personal advice. For advice specific to your circumstances, consult with a licensed financial or insurance adviser, or contact insurers directly. Information is based on our understanding as of 7 April 2026 and may change. Always verify current information with official sources.

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