healthslips.com.au Policy Information

HCi

Basic Plus Hospital $750 & Basic Extras

$133.37 / month

(Before Rebate, Discount & Loading)

Available in VIC

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.

This policy covers: Only one person.

Policy ID: HCI/C1E1/VHAM10

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy exempts you from the Medicare Levy Surcharge.
  • This policy provides accident cover - check with insurer for details.
  • This policy does not provide benefits for travel or accommodation outside of hospital.
Covered
Restricted Cover
Not Covered
This policy includes cover for
Blood
Hospital psychiatric services
Palliative care
Rehabilitation
Sleep studies

This policy does not include cover for

Assisted reproductive services
Back, neck and spine
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
Insulin pumps
Joint reconstructions
Joint replacements
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Pain management with device
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Pregnancy and birth
Skin
Tonsils, adenoids and grommets
Weight loss surgery

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess on admission. This is limited to a maximum of $750 per person and $750 per policy per year.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members

Waiting periods:

  • 2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
  • 12 months for other pre-existing conditions
  • 2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

The waiting period for Accident Cover is 2 months. The excess does not apply to any dependants under the age of 18.

For further information about this policy see: https://hciltd.com.au/packaged-cover

Extras Cover

This health insurer does not operate a preferred provider scheme.

This policy includes General treatment (Extras) cover for
Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Chiropractic 2

$175 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: $28
  • Subsequent visit: $28
Exercise physiology 2

$175 per policy

combined limit for exercise physiology & physiotherapy

  • Initial visit: $28
  • Subsequent visit: $28
General dental 2

$350 per policy

  • Fluoride treatment: $20
  • Scale & clean: $55
  • Surgical tooth extraction: $90
  • Periodic oral examination: $33
Optical 6

$150 per policy

  • Multi-focal lenses & frames: $150
  • Single vision lenses & frames: $150
Osteopathy 2

$175 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: $28
  • Subsequent visit: $28
Physiotherapy 2

$175 per policy

combined limit for exercise physiology & physiotherapy

  • Initial visit: $28
  • Subsequent visit: $28
Vaccinations 2

$100 per policy

sub-limits apply

  • Per service: $25

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$175 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$175 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$350 per policy}

Examples of maximum benefits

{Fluoride treatment: $20}

{Scale & clean: $55}

{Surgical tooth extraction: $90}

{Periodic oral examination: $33}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$150 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: $150}

{Single vision lenses & frames: $150}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$175 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$175 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

{sub-limits apply}

Examples of maximum benefits

{Per service: $25}

Group physio/hydrotherapy session $18 per service. Flu vaccination 1 per calendar year $25 per service. Other vaccines $25 per service.

This policy does not include General treatment (Extras) cover for

Acupuncture
Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Chinese medicine
Dietetics/dietary advice
Endodontic
Eye therapy (orthoptics)
Health management / Healthy lifestyle
Hearing aids
Home nursing
Major dental
Non PBS pharmaceuticals
Occupational therapy
Orthodontic
Orthotics (podiatric orthoses)
Podiatry
Psychology
Remedial massage
Speech therapy

For further information about this policy see: https://hciltd.com.au/packaged-cover

Ambulance cover

Pensioner Concession Card and Healthcare Card holders are entitled to free clinically necessary ambulance transport. If you are not eligible for a concession and want to be covered, you can purchase insurance from a private health insurer or take out a subscription with the state ambulance service (https://www.ambulance.vic.gov.au/membership).

For further information about this policy see: https://hciltd.com.au/packaged-cover

Insurer Details

HCi

Basic Plus Hospital $750 & Basic Extras

$133.37 / month

(Before Rebate, Discount & Loading)

Available in VIC

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/HCI/C1E1/VHAM10

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