HCi
Silver Plus Secure & Top Extras
HCi
How $545.33 is worked out
- Premium as filed - $718.65 a month (hospital share $430.65)
- Government rebate - 24.1% of the premium (never of the loading): -$173.32
- A month - $545.33
Go to insurer no commission on this policy
Hospital: what is covered
Covered (31)
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (2)
- Hospital psychiatric services
- Rehabilitation
Not covered (5)
- Assisted reproductive services
- Insulin pumps
- Pain management with device
- 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 - Silver Plus
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $500 per person a year. $1,000 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Not offered
- Accident cover - No
- Travel and accommodation benefits - Yes
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: 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): $45.00; Scale and clean (item 114): $80.00; Fluoride treatment (item 121): $30.00; Tooth extraction (item 322): $160.00 | $1,650 per person a year, $4,950 per policy a year |
| Major dental | 12 months | Crown (item 615): $800.00 | $1,650 per person a year, $4,950 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $180.00 | $1,650 per person a year, $4,950 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $1,650 per person a year, $4,950 per policy a year (shared with other services) |
| Glasses and contact lenses | 6 months | Single vision glasses: $300.00; Multifocal glasses: $300.00 | $300 per person a year, $900 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $100.00 | $1,000 per person a year, $3,000 per policy a year |
| Physiotherapy | 2 months | First visit: $70.00; Follow-up visit: $70.00 | $750 per person a year, $2,250 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $500 per person a year, $1,500 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $1,000 per person a year, $3,000 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: $80.00; Follow-up visit: $80.00 | $300 per person a year, $900 per policy a year |
| Acupuncture | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $500 per person a year, $1,500 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $500 per person a year, $1,500 per policy a year (shared with other services) |
| Hearing aids | 36 months | Hearing aid: $1000.00 | $2,000 per person a year, $6,000 per policy a year, 2 appliances every 3 years |
| Blood glucose monitors | 12 months | Blood: $500.00 | $500 per person a year, 1 appliance every 3 years |
| Audiology | 2 months | First visit: $55.00; Follow-up visit: $55.00 | $250 per person a year, $750 per policy a year |
| Chinese herbal medicine | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $500 per person a year, $1,500 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $1,000 per person a year, $3,000 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $70.00; Follow-up visit: $70.00 | $750 per person a year, $2,250 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $1,000 per person a year, $3,000 per policy a year (shared with other services) |
| Health management programs | 2 months | Benefit: $200.00 | $350 per person a year, $1,050 per policy a year |
| Home nursing | 2 months | First visit: $55.00; Follow-up visit: $55.00 | $500 per person a year, $1,500 per policy a year |
| Occupational therapy | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $1,000 per person a year, $3,000 per policy a year (shared with other services) |
| Orthotics | 2 months | Benefit: $250.00 | $1,000 per person a year, $3,000 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $500 per person a year, $1,500 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $1,000 per person a year, $3,000 per policy a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: $30.00 | $250 per person a year, $750 per policy a year |
Not covered: Antenatal and postnatal.
Other services, as filed: Group physio/hydrotherapy session $20 per service. Flu vaccination 1 per calendar year $30 per service. Other eligible vaccines $100 per service. For eligible medicinal cannabis prescriptions a 12 month waiting period applies.
Policy limits or caps may apply.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 2 months. No limit on emergency transport.
Agreement hospitals in ACT
HCi has agreements with 15 private hospitals here, as filed with the Ombudsman.
The list
- ACT Endoscopy - Deakin (day hospital)
- Barton Private Hospital - Barton
- Brindabella Endoscopy Centre - Garran (day hospital)
- Calvary Bruce Private Hospital - Bruce
- Calvary John James Hospital - Deakin
- Canberra Imaging Group - Deakin (day hospital)
- Canberra Microsurgery - Phillip (day hospital)
- Canberra Private Hospital - Deakin
- Canberra Surgicentre - Braddon (day hospital)
- Genea Canberra - Deakin (day hospital)
- Icon Cancer Centre Canberra - Bruce (day hospital)
- Msi Canberra - Canberra City (day hospital)
- Mugga Wara Endoscopy Centre - Deakin (day hospital)
- National Capital Private Hospital - Garran
- Sole Vita Surgery - Deakin
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 S1E4/SHMW1Y, 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.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.