HCi
Bronze Plus Hospital $750 & Basic Extras
HCi
How $250.45 is worked out
- Premium as filed - $330.05 a month (hospital share $275.98)
- Government rebate - 24.1% of the premium (never of the loading): -$79.60
- A month - $250.45
Go to insurer no commission on this policy
Hospital: what is covered
Covered (22)
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Hernia and appendix
- Joint reconstructions
- Kidney and bladder
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Palliative care
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (2)
- Hospital psychiatric services
- Rehabilitation
Not covered (14)
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Lung and chest
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Bronze Plus
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $750 per person a year. $1,500 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Not offered
- Accident cover - Yes
- Travel and accommodation benefits - No
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: Plastic surgery which is medically necessary and related to the treatment of a skin-related condition is covered under the “Skin” clinical category. The excess does not apply to any dependants under the age of 18.
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): $33.00; Scale and clean (item 114): $60.00; Fluoride treatment (item 121): $20.00; Tooth extraction (item 322): $110.00 | $350 per person a year, $700 per policy a year |
| Glasses and contact lenses | 6 months | Single vision glasses: $150.00; Multifocal glasses: $150.00 | $150 per person a year, $300 per policy a year |
| Physiotherapy | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $175 per person a year, $350 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $175 per person a year, $350 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $175 per person a year, $350 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $175 per person a year, $350 per policy a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: $30.00 | $100 per person a year, $200 per policy a year |
Not covered: Major dental, Root canal, Braces, Prescriptions not on the PBS, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy.
Other services, as filed: Group physio/hydrotherapy session $20 per service. Flu vaccination 1 per calendar year $30 per service. Other vaccines $30 per service.
Ambulance
No ambulance cover.
Agreement hospitals in New South Wales
HCi has agreements with 182 private hospitals here, as filed with the Ombudsman.
The list
- Aesthetic Day Surgery - Kogarah (day hospital)
- Albury Day Surgery - Albury (day hospital)
- Albury Wodonga Private Hospital - Albury
- Alexandria Specialist Day Hospital - Alexandria (day hospital)
- Alwyn Rehabilitation Hospital - Strathfield
- Arcadia Pittwater Private Hospital - Warriewood
- Armidale Private Hospital - Armidale
- Artarmon Day Surgery - Artarmon (day hospital)
- Ballina Day Surgery - Ballina (day hospital)
- Baringa Private Hospital - Coffs Harbour
- Bathurst Private Hospital - Bathurst
- Bella Vista Day Hospital - Bella Vista (day hospital)
- Berkeley Vale Private Hospital - Berkeley Vale
- Bondi Junction Endoscopy Centre - Woollahra (day hospital)
- Bondi Junction Private Hospital - Bondi Junction
- Brisbane Waters Private Hospital - Woy Woy
- Calvary Riverina Hospital - Wagga Wagga
- Calvary Riverina Surgicentre - Wagga Wagga (day hospital)
- Campbelltown Private Hospital - Campbelltown
- Campsie Day Surgery - Campsie (day hospital)
- Cancer Care Wollongong - Wollongong (day hospital)
- Castlecrag Private Hospital - Castlecrag
- Central Coast Day Hospital - Erina - Erina (day hospital)
- Central Sydney Private Hospital - Sydney (day hospital)
- Centre For Digestive Diseases - Five Dock (day hospital)
- Charlestown Private Hospital - Charlestown (day hospital)
- Chatswood Day Surgery - Chatswood (day hospital)
- Chatswood Private Hospital - Chatswood (day hospital)
- Chris O'Brien Lifehouse - Camperdown
- City West Specialist Day Hospital - Westmead (day hospital)
- Coffs Day Hospital - Coffs Harbour (day hospital)
- Coolenberg Day Surgery - Port Macquarie (day hospital)
- Dee Why Endoscopy Unit - Dee Why (day hospital)
- Delmar Private Hospital - Dee Why
- Diagnostic Endoscopy Centre - Darlinghurst (day hospital)
- Double Bay Day Hospital - Double Bay (day hospital)
- Dubbo Private Hospital - Dubbo
- Dudley Private Hospital - Orange
- East Sydney Private Hospital - East Sydney
- Eastern Heart Clinic - Randwick (day hospital)
- Eastern Suburbs Private Hospital - Randwick
- Epping Surgery Centre - Epping (day hospital)
- Excel Endoscopy Centre - Campsie (day hospital)
- Figtree Private Hospital - Figtree
- Focus Eye Centre - Kingsford (day hospital)
- Forest Road Day Surgery - Hurstville (day hospital)
- Forster Private Hospital - Forster
- Francis Street Ophthalmic Day Procedure Centre - Richmond (day hospital)
- Fresenius Liverpool Private Dialysis Clinic - Liverpool (day hospital)
- Freshwater Day Surgery - Brookvale (day hospital)
- Gateway Day Hospital - Sydney (day hospital)
- Genea Day Surgery - Sydney (day hospital)
- Genea Liverpool - Liverpool (day hospital)
- Genea Northwest - Bella Vista (day hospital)
- Genesis Care Radiation Oncology Centre Albury Wodonga - Albury (day hospital)
- GenesisCare - St Leonards (day hospital)
- GenesisCare Frenchs Forest - Frenchs Forest (day hospital)
- GenesisCare Hurstville - Hurstville (day hospital)
- GenesisCare Kingswood - Kingswood (day hospital)
- Gordon Private Hospital - Gordon
- Gosford Private Hospital - Gosford
- Gregory Hills Renal Care Centre - Gregory Hill (day hospital)
- Healthwoods Endoscopy Centre - Granville (day hospital)
- Holroyd Private Hospital - Guildford
- Honeysuckle Day Hospital - Newcastle (day hospital)
- Hunter Valley Private Hospital - Shortland
- Hunters Hill Private Hospital - Hunters Hill
- Hurstville Private Hospital - Hurstville
- IMH Hirondelle Private Hospital - Chatswood
- Icon Cancer Centre Revesby - Revesby (day hospital)
- Inner West Endoscopy Centre - Marrickville (day hospital)
- Insight Private Hospital - Albury
- Jamison Street Day Surgery - Sydney (day hospital)
- Kareena Private Hospital - Caringbah
- Kellyville Private Hospital - Kellyville
- Kingsgrove Day Hospital - Kingsgrove (day hospital)
- Kogarah Private Hospital - Kogarah (day hospital)
- Lady Davidson Private Hospital - North Turramurra
- Lake Macquarie Private Hospital - Gateshead
- Lakeview Private Hospital - Norwest
- Levant Cosmetic Day Surgery Randwick - Randwick (day hospital)
- Lindfield Renal Care Centre - Lindfield (day hospital)
- Lingard Private Hospital - Merewether
- Lithgow Community Private Hospital - Lithgow (day hospital)
- Liverpool Day Surgery - Moorebank (day hospital)
- Liverpool Eye Surgery - Liverpool (day hospital)
- Longueville Private Hospital - Longueville
- MSI Sydney West - Westmead (day hospital)
- Macquarie St Day Surgery - Sydney (day hospital)
- Macquarie University Hospital - Macquarie Park
- Madison Day Surgery - Hornsby (day hospital)
- Maitland Private Hospital - East Maitland
- Manly Waters Private Hospital - Manly
- Marsden Eye Surgery Centre - Parramatta (day hospital)
- Mater Hospital Sydney - North Sydney
- Mayo Private Hospital - Taree
- Metwest Surgical - Blacktown (day hospital)
- Minchinbury Community Private Hospital - Mount Druitt
- Miranda Day Surgery - Miranda (day hospital)
- Miranda Eye Surgical Centre - Miranda (day hospital)
- Monash IVF Sydney CBD - Sydney (day hospital)
- Mt Wilga Private Hospital - Hornsby
- Nepean Private Hospital - Kingswood
- Nephrocare Newcastle Dialysis Clinic - Newcastle (day hospital)
- Newcastle Endoscopy Centre - Charlestown (day hospital)
- Newcastle Eye Hospital - Waratah (day hospital)
- Newcastle Private Hospital - New Lambton Heights
- North Shore Private Hospital - St Leonards
- North Shore Specialist Day Hospital - Greenwich (day hospital)
- Northern Beaches Hospital - Frenchs Forest
- Norwest Private Hospital - Bella Vista
- Nowra Private Hospital - Nowra
- Orange Eye Centre - Orange (day hospital)
- Parramatta Eye Centre - Parramatta (day hospital)
- Peninsula Sleep Clinic - Frenchs Forest (day hospital)
- Pennant Hills Day Surgery - Pennant Hills (day hospital)
- Pittwater Day Surgery - Mona Vale (day hospital)
- Port Macquarie Ophthalmic Surgery - Port Macquarie (day hospital)
- Port Macquarie Private Hospital - Port Macquarie
- President Private Hospital - Kirrawee
- Prince Of Wales Private Hospital - Randwick
- Ramsay Clinic Cremorne - Cremorne
- Ramsay Clinic Macarthur - Campbelltown
- Ramsay Clinic Northside - St Leonards
- Ramsay Clinic Wentworthville - Wentworthville
- Ramsay Surgical Centre Miranda - Miranda (day hospital)
- Ramsay Surgical Centre Orange - Orange (day hospital)
- Regional Imaging Cardiovascular Centre - Wagga Wagga (day hospital)
- Riverina Cancer Care Centre - Wagga Wagga (day hospital)
- Riverina Day Surgery - Wagga Wagga (day hospital)
- Rosebery Day Surgery - Rosebery (day hospital)
- Rosemont Endoscopy Centre - Wollongong (day hospital)
- Royal Rehab Private Petersham - Petersham
- Royal Rehab Private Ryde - Ryde
- Shellharbour Private Hospital - Barrack Heights
- Sight Foundation Theatre - Sydney (day hospital)
- South Coast Private - Wollongong
- South Pacific Private Hospital - Curl Curl
- South Western Endoscopy Centre - Liverpool (day hospital)
- Southern Highlands Private Hospital - Bowral
- Southern Suburbs Day Procedure Centre - Kogarah (day hospital)
- Southside Cancer Care Centre - Miranda (day hospital)
- St George Private Hospital - Kogarah
- St John Of God Burwood Hospital - Burwood
- St John Of God Richmond Hospital - North Richmond
- St Luke's Hospital - Potts Point
- St Vincent's Private Community Hospital Griffith - Griffith
- St Vincent's Private Hospital (Darlinghurst) - Darlinghurst
- St Vincent's Private Hospital Lismore - Lismore
- Strathfield Private Hospital - Strathfield
- Surry Hills Day Hospital - Surry Hills (day hospital)
- Sutherland Heart Clinic - Caringbah
- Sydney Adventist Hospital - Wahroonga
- Sydney Clinic For Gastrointestinal Diseases - Bondi Junction (day hospital)
- Sydney Day Hospital - Sydney (day hospital)
- Sydney Day Surgery - Darlinghurst (day hospital)
- Sydney Day Surgery - Prince Alfred - Newtown (day hospital)
- Sydney Retina Clinic & Day Surgery - Sydney (day hospital)
- Sydney Southwest Private Hospital - Liverpool
- Sydney Specialist Day Hospital - Chatswood (day hospital)
- Sydney Surgical Centre - Randwick
- Tamara Private Hospital - Tamworth
- The Border Cancer Hospital - Albury
- The Cataract Clinic (Aust) - North Sydney (day hospital)
- The Hills Private Hospital - Baulkham Hills
- The SAN Day Surgery - Hornsby (day hospital)
- The Skin Hospital - Westmead (day hospital)
- The Skin Hospital (Darlinghurst) - Darlinghurst (day hospital)
- The Sydney Clinic - Bronte
- The Sydney Private Hospital - Ashfield
- Toronto Private Hospital - Toronto
- Tuggerah Lakes Private Hospital - Kanwal
- Tweed Day Surgery - Tweed Heads (day hospital)
- Ulladulla Endoscopy & Medical Centre - Ulladulla (day hospital)
- Waratah Private Hospital - Hurstville
- Warners Bay Private Hospital - Warners Bay
- Western Sydney Private Oncology & Infusion Centre - Westmead (day hospital)
- Westmead Private Hospital - Westmead
- Westmead Rehabilitation Hospital - Merrylands
- Wollongong Day Surgery - Wollongong (day hospital)
- Wollongong Private Hospital - Wollongong
- Wolper Jewish Hospital - Woollahra
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | $750 | $342.17 |
| NSW | Just me | $750 | $171.10 |
| QLD | Me and my partner | $750 | $365.87 |
| QLD | Just me | $750 | $182.94 |
| SA | Me and my partner | $750 | $330.05 |
| SA | Just me | $750 | $165.03 |
| TAS | Me and my partner | $750 | $332.54 |
| TAS | Just me | $750 | $166.27 |
| VIC | Me and my partner | $750 | $352.32 |
| VIC | Just me | $750 | $176.16 |
| WA | Me and my partner | $750 | $300.28 |
| WA | Just me | $750 | $150.14 |
Member retention (hospital cover)
81.3% is the Commonwealth Ombudsman's figure for HCI in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement B1E1/SGZT20, filed by HCi, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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