Pricing for a family in NSW, under 65
Premium calculated for the profile shown, before the government rebate.
Silver Plus Secure Hospital - with Healthy Extras pricing by household
Monthly premiums in NSW for an adult under 65, before the government rebate. Every household this policy is sold to is listed.
| Excess | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| $250 | $354.10/month | $708.16/month | $708.16/month | $495.74/month |
| $500 | $331.62/month | $663.17/month | $663.17/month | $464.26/month |
| $750 | $315.96/month | $631.86/month | $631.86/month | $442.32/month |
Single pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $250 | $81.49 | $354.10 | $4,249.20 |
| $500 | $76.32 | $331.62 | $3,979.44 |
| $750 | $72.71 | $315.96 | $3,791.52 |
Couple pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $250 | $162.97 | $708.16 | $8,497.92 |
| $500 | $152.62 | $663.17 | $7,958.04 |
| $750 | $145.41 | $631.86 | $7,582.32 |
Family pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $250 | $162.97 | $708.16 | $8,497.92 |
| $500 | $152.62 | $663.17 | $7,958.04 |
| $750 | $145.41 | $631.86 | $7,582.32 |
Single parent pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $250 | $114.09 | $495.74 | $5,948.88 |
| $500 | $106.84 | $464.26 | $5,571.12 |
| $750 | $101.79 | $442.32 | $5,307.84 |
Hospital Coverage — Silver+ Tier
Review the hospital clinical categories covered under this Silver+ tier policy, including covered, restricted, and excluded services, plus any important notes or conditions.
| Clinical category | Status | Notes |
|---|---|---|
| Heart & Vascular | Covered | - |
| Brain & Nervous System | Covered | - |
| Eye (Not Cataracts) | Covered | - |
| Cataracts | Covered | - |
| Ear, Nose & Throat | Covered | - |
| Back, Neck & Spine | Covered | - |
| Bone, Joint & Muscle | Covered | - |
| Joint Reconstructions | Covered | - |
| Joint Replacements | Covered | - |
| Dialysis | Covered | - |
Waiting Periods
Standard waiting periods apply. If transferring from another insurer with equivalent cover, served waiting periods are recognised under portability rules.
Extras Coverage — Top Level
Annual limits and benefits shown below.
| Service | Annual limit | Benefit | Waiting period | Details |
|---|---|---|---|---|
| General dental | $1,100 | $130.00 | 2 months | |
| Major dental | $1,650 | $600.00 | 12 months | |
| Endodontic | – | $150.00 | 12 months | |
| Orthodontic | – | 100% | 12 months | |
| Optical | $240 | $240.00 | 6 months | |
| Physiotherapy | $700 | $60.00 | 2 months | |
| Chiropractic | $500 | $40.00 | 2 months | |
| Psychology | $250 | $70.00 | 2 months | |
| Podiatry | $1,000 | $45.00 | 2 months | |
| Osteopathy | – | $40.00 | 2 months | |
| Acupuncture | – | $40.00 | 2 months | |
| Remedial massage | – | $40.00 | 2 months | |
| Dietetics | – | $45.00 | 2 months | |
| Speech therapy | – | $45.00 | 2 months | |
| Occupational therapy | – | $45.00 | 2 months | |
| Exercise physiology | – | $60.00 | 2 months | |
| Hearing aids | $1,600 | $800.00 | 36 months | |
| Orthotics | – | $200.00 | 2 months | |
| Non-PBS pharmaceuticals | $700 | $75.00 | 2 months | |
| Chinese herbal medicine | – | $40.00 | 2 months | |
| Health management | $300 | $120.00 | 2 months | |
| Home nursing | $500 | $45.00 | 2 months | |
| Vaccinations | $250 | $30.00 | 2 months | |
| Glucose monitor | $300 | $300.00 | 12 months | |
| Audiology | $200 | $35.00 | 2 months | |
| Orthoptics | – | $45.00 | 2 months |
Hospital Agreements
HCi has agreements with 60 private hospitals across Australia.
When you're treated at an agreed hospital, you're covered for accommodation, theatre fees, and prostheses at the negotiated rate — minimising or eliminating gap payments. At a non-agreed hospital, you may face significant out-of-pocket costs even for covered procedures.
| Hospital | Suburb | State | Agreement | Details |
|---|---|---|---|---|
| St Vincent's Private Hospital Sydney | Darlinghurst | NSW | Full agreement | |
| Macquarie University Hospital | Macquarie Park | NSW | Full agreement | |
| Sydney Adventist Hospital | Wahroonga | NSW | Full agreement | |
| Prince of Wales Private Hospital | Randwick | NSW | Full agreement | |
| Hurstville Private Hospital | Hurstville | NSW | Day surgery | |
| Norwest Private Hospital | Bella Vista | NSW | Full agreement | |
| Westmead Private Hospital | Westmead | NSW | Full agreement | |
| Kareena Private Hospital | Caringbah | NSW | Full agreement | |
| Lingard Private Hospital | Merewether | NSW | Full agreement | |
| Newcastle Private Hospital | New Lambton Heights | NSW | Full agreement |
Policy Features
See which additional policy features are included, not included, or subject to conditions such as waiting periods or loyalty rules.
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About Insurer
HCi is a not-for-profit health insurer based in TAS. They offer 56 policies across hospital, extras, and combined cover.
HCi is a not-for-profit health fund that has provided cover since 1938. Owned by and run for its members, it offers hospital, extras and combined cover across a range of health services.
View all insurer policiesRelated policies
Open a policy to review its benefits, eligibility and available household options.
HCi
Silver Plus Advantage & Healthy Extras
- Cover
- Hospital and extras
- Tier
- Silver Plus
- Available in
- NSW, VIC, QLD, SA, WA, TAS, ACT
- Households
- Single, Couple, Family, Single parent
- Excess options
- $500, $750
HCi
Silver Plus Advantage & Active Life Extras
- Cover
- Hospital and extras
- Tier
- Silver Plus
- Available in
- NSW, VIC, QLD, SA, WA, TAS, ACT
- Households
- Single, Couple, Family, Single parent
- Excess options
- $500, $750
HCi
Silver Plus Secure Hospital - with Active Life Extras
- Cover
- Hospital and extras
- Tier
- Silver Plus
- Available in
- NSW, VIC, QLD, SA, WA, TAS, ACT
- Households
- Single, Couple, Family, Single parent
- Excess options
- $250, $500, $750
HCi
Silver Plus Secure & Top Extras
- Cover
- Hospital and extras
- Tier
- Silver Plus
- Available in
- NSW, VIC, QLD, SA, WA, TAS, ACT
- Households
- Single, Couple, Family, Single parent
- Excess options
- $250, $500, $750
Important Information
This page provides a summary of Silver Plus Secure Hospital - with Healthy Extras by HCi based on data from PrivateHealth.gov.au. It is general information only and may not reflect the most current policy terms.
Before purchasing this policy:
- Read the full Product Disclosure Statement (PDS) available from HCi
- Confirm current pricing directly with the insurer — prices shown are indicative only
- Check hospital agreements in your area
- Consider whether the coverage meets your specific health needs
- Ask about any gap cover arrangements
Data last updated 9 September 2026 from PrivateHealth.gov.au. We may receive a commission if you purchase through links on this page. We are not affiliated with or endorsed by HCi.
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