Health Care Insurance Limited (HCI)

Health Care insurance has been providing great value for money health cover to the community since 1938. As a not-for-profit private health insurer, we are proud of the high level of personal service provided to members and the comprehensive range of health insurance options offered at very competitive rates.

HCI is a company limited by guarantee and is governed by a board of directors elected by the members. The fund is entirely owned by the members, and exists solely for the benefit of members.

HCI cover provides access to the very best in hospital care and other health care services including dental, optical, physiotherapy, chiropractic and many more.
This information is provided by the fund

Health Care Insurance Limited provide further information regarding Gap cover doctors, Agreement hospitals, Preferred providers and Ambulance cover information .

Agreement Hospitals

This fund has agreements with some private hospitals or day surgeries to provide services at low or no out-of-pocket costs. You can view Agreement Hospitals for this fund in your region and further details are available from the fund.

Business Structure

This insurer is a mutual organisation that operates on a not-for-profit basis.

Health Care Insurance Limited operates in all states and territories.

Performance

The Private Health Insurance Ombudsman prepares an annual report on the service delivery and performance of Australian health funds. The following is a selection of statistics about this health fund - the full report and an explanation of these figures is available from the Ombudsman's website. Please note information is not provided for some funds in some states, as there are insufficient numbers reported to APRA for states in which the fund does not have a large membership.

Performance Fund Industry
Benefits as a % of contributions 91.4% 87.1%
Management expenses (% cont) 13.1% 8.5%
Management expenses (average policy) $480 $276
Surplus -4.4% 4.4%
Member retention (%) 91% 84.8%
Coverage ACT NSW VIC QLD SA WA TAS NT
Hospital Related Charges Covered 91.5% 95.3% 93.3% 94.4% 88.4% 95.0% 94.5% 96.1%
Industry Result 82.4% 89.9% 93.0% 90.7% 95.1% 93.7% 93.8% 88.4%
Medical Services with No Gaps 78.5% 91.7% 95.0% 91.8% 94.0% 87.6% 92.4% 86.2%
Industry Result 77.6% 89.6% 89.5% 86.9% 90.8% 83.4% 89.3% 77.5%
Medical Services with No or Known Gaps 91.1% 95.2% 98.5% 95.8% 99.3% 93.6% 98.0% 94.4%
Industry Result 84.8% 91.7% 94.0% 90.2% 95.9% 94.2% 94.1% 87.9%
General Treatment (extras) Covered 43.8% 45.8% 50.6% 48.8% 51.3% 46.8% 48.2% 51.1%
Industry Result 47.5% 51.2% 52.5% 54.4% 56.1% 56.1% 53.5% 56.3%
Private Hospital Agreements 4 82 74 52 28 17 5 1
Industry Maximum 6 97 78 53 29 21 6 2
Day Hospital Agreements 5 73 53 34 21 12 3 0
Industry Maximum 9 91 73 47 25 24 7 1
Share of PHIO complaints Compared to fund's market share
Benefit Complaints - <0.5%
Service Complaints -
All Complaints 0.1%
Investigations 0%
Address
25 Cattley Street
Burnie
TAS  7320


Phone: 1800 804 950
Email: enquiries@hciltd.com.au
Website: http://www.hciltd.com.au
Branches: http://www.hciltd.com.au

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