HCi
Bronze Plus Hospital $750/$1500 excess with Active Life Extras
HCi
How $354.33 is worked out
- Premium as filed - $466.95 a month (hospital share $357.90)
- Government rebate - 24.1% of the premium (never of the loading): -$112.62
- A month - $354.33
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): $65.00; Fluoride treatment (item 121): $22.00; Tooth extraction (item 322): $120.00 | $500 per person a year |
| Major dental | 12 months | Crown (item 615): $500.00 | $500 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $125.00 | $500 per person a year (shared with other services) |
| Glasses and contact lenses | 6 months | Single vision glasses: $220.00; Multifocal glasses: $220.00 | $220 per person a year |
| Physiotherapy | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $400 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $400 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $400 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $400 per person a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $400 per person a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $400 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $400 per person a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: $30.00 | $175 per person a year, $350 per policy a year |
Not covered: Braces, Prescriptions not on the PBS, Podiatry, Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, 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 eligible vaccines $40 per service.
Ambulance
No ambulance cover.
Agreement hospitals in South Australia
HCi has agreements with 45 private hospitals here, as filed with the Ombudsman.
The list
- Adelaide Ambulatory Day Surgery - Adelaide (day hospital)
- Adelaide Day Surgery - Adelaide (day hospital)
- Adelaide Surgicentre - Kent Town (day hospital)
- Archer St Day Hospital - North Adelaide (day hospital)
- Ashford Hospital - Ashford
- Bedford Day Surgery - Clarence Gardens (day hospital)
- Brighton Day Surgery - Brighton (day hospital)
- Brighton Dialysis Clinic - Hove (day hospital)
- Burnside Hospital Stepney - Stepney
- Burnside Hospital Toorak Gardens - Toorak Gardens
- Calvary Adelaide Hospital - Adelaide
- Calvary Adelaide Hospital - Adelaide
- Calvary Connery Centre - Elizabeth Vale (day hospital)
- Calvary North Adelaide Hospital - North Adelaide
- Central Day Surgery - Dulwich (day hospital)
- Dextra Surgical - Norwood (day hospital)
- Flinders Private Hospital - Bedford Park
- Glen Osmond Surgicentre - Eastwood (day hospital)
- Glenelg Community Hospital Inc - Glenelg South
- Glenelg Day Surgery - Glenelg (day hospital)
- Greenhill Dental Day Surgery - Wayville (day hospital)
- Griffith Rehabilitation Hospital - Hove
- Hamilton House Day Surgery - Cumberland Park (day hospital)
- Icon Cancer Centre Adelaide - Kurralta Park (day hospital)
- Icon Cancer Centre Windsor Gardens - Windsor Gardens (day hospital)
- Lift Cancer Care Services - Kurralta Park (day hospital)
- Memorial Hospital - North Adelaide
- North Adelaide Day Surgery Centre - North Adelaide (day hospital)
- North Eastern Community Hospital - Campbelltown
- Northern Endoscopy Centre - Salisbury South (day hospital)
- Norwood Day Surgery - Stepney (day hospital)
- Oromax Day Surgery - Kent Town (day hospital)
- Parkview Day Surgery - Eastwood (day hospital)
- Payneham Dialysis Clinic - Payneham (day hospital)
- Ramsay Clinic Adelaide - Gilberton
- Ramsay Day Clinic Kahlyn - Magill (day hospital)
- Repromed Day Surgery - Dulwich (day hospital)
- Seaford Day Surgery - Seaford Heights (day hospital)
- Southern Endoscopy Centre - Somerton Park (day hospital)
- St Andrew's Hospital Inc - Adelaide
- Stirling Hospital Inc - Stirling
- The Tennyson Centre Day Hospital - Kurralta Park (day hospital)
- Vista Day Surgery - Wayville (day hospital)
- Western Hospital - Henley Beach
- Windsor Gardens Day Surgery - Windsor Gardens (day hospital)
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
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 J2B/VBZO2Y, 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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