healthslips.com.au Policy Information

HCi

Gold Hospital & Active Life Extras

$842.65 / 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: Two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 22), students (23 - 31) and non-students (23 to 31), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-student in these age ranges. *Non-classified dependant: Coverage for dependants between 18 & 22

Policy ID: HCI/G1K/VFPD2Y

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy exempts you from the Medicare Levy Surcharge.
  • This policy does not provide accident cover.
  • This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.
Covered
Restricted Cover
Not Covered
This policy includes cover for
Assisted reproductive services
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
Hospital psychiatric services
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
Palliative care
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Pregnancy and birth
Rehabilitation
Skin
Sleep studies
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 of $500 per admission. This is limited to a maximum of $500 per person and $1000 per policy per year.

Excess payments do not apply to hospital admissions for day surgery.

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
  • 12 months for pregnancy and birth (obstetrics)
  • 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

Comprehensive, top hospital cover for complete peace of mind. HCi will waive any applicable excess for same-day hospital treatments. We also waive any applicable excess on dependants under 18 years of age.

For further information about this policy see: https://www.hciltd.com.au/hospital-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
Acupuncture 2

$400 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage

  • Initial visit: $28
  • Subsequent visit: $28
Chinese medicine 2

$400 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage

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

$400 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage

  • Initial visit: $28
  • Subsequent visit: $28
Endodontic 12

$500 per person

combined limit for endodontic & major dental

  • Filling of one root canal: $120
Exercise physiology 2

$400 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: $39
  • Subsequent visit: $39
General dental 2

$500 per person

  • Fluoride treatment: $22
  • Scale & clean: $61
  • Surgical tooth extraction: $100
  • Periodic oral examination: $33
Major dental 12

$500 per person

combined limit for endodontic & major dental

sub-limits apply

  • Full crown veneered: $500
Optical 6

$220 per person

  • Multi-focal lenses & frames: $220
  • Single vision lenses & frames: $220
Osteopathy 2

$400 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage

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

$400 per person

combined limit for exercise physiology & physiotherapy

  • Initial visit: $39
  • Subsequent visit: $39
Remedial massage 2

$400 per person

combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage

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

$175 per person up to $350 per policy

  • Per service: $35

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $120}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $39}

{Subsequent visit: $39}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Fluoride treatment: $22}

{Scale & clean: $61}

{Surgical tooth extraction: $100}

{Periodic oral examination: $33}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for endodontic & major dental}

{sub-limits apply}

Examples of maximum benefits

{Full crown veneered: $500}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$220 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $220}

{Single vision lenses & frames: $220}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $39}

{Subsequent visit: $39}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{combined limit for acupuncture, chinese medicine, chiropractic, osteopathy & remedial massage}

Examples of maximum benefits

{Initial visit: $28}

{Subsequent visit: $28}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$175 per person up to $350 per policy}

Examples of maximum benefits

{Per service: $35}

Group physio/hydrotherapy session $18 per service. Flu vaccination 1 per calendar year $25 per service. Other eligible vaccines $35 per service.

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

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

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

Insurer Details

HCi

Gold Hospital & Active Life Extras

$842.65 / 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/G1K/VFPD2Y

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