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 insurer

Health Care Insurance Limited provide further information regarding:

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 see Agreement Hospitals for this insurer and further details are available from the insurer.

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 insurers. The following is a selection of statistics about this health insurer - the full report and an explanation of these figures is available from the Ombudsman's website. Please note information is not provided for some insurers in some states, as there are insufficient numbers reported to APRA for states in which the insurer does not have a large membership.

Ombudsman complaints compared to market share
All complaints 0.1% <0.1% market share
Investigated complaints 0%
Health Insurer Retention and Finances Industry result
Member retention (hospital cover) 87% 86%
Benefits as % of contributions 81.3% 85.4%
Management expenses % of contribution income 12.1% 9.5%
Management expenses per average policy $537 $358
Coverage ACT NSW VIC QLD SA WA TAS NT Australia
Hospital Related Charges Covered 94.9% 90.0% 94.0% 91.0% 92.4% 97.5% 94.5% 68.5% 93.6%
Industry Result 83.1% 89.7% 91.9% 90.3% 93.9% 93.0% 93.4% 90.0% 91.0%
Medical Services with No Gaps 92.9% 88.8% 91.2% 92.0% 87.8% 95.1% 92.4% 0% 91.7%
Industry Result 78.1% 89.8% 88.8% 89.7% 90.7% 87.6% 91.6% 88.5% 89.3%
Medical Services with No or Known Gaps 99.5% 96.6% 98.9% 98.0% 99.1% 98.2% 98.5% 0% 98.5%
Industry Result 92.7% 96.5% 97.6% 96.8% 99.1% 97.0% 98.2% 96.2% 97.1%
General Treatment (extras) Covered 40.5% 52.1% 49.7% 47.0% 52.1% 50.5% 46.4% 40.5% 48.4%
Industry Result 47.7% 50.1% 51.7% 53.4% 56.7% 56.6% 54.1% 58.8% 52.6%
Private Hospital Agreements 6 99 81 60 25 24 9 2 -
Industry Maximum 6 99 84 61 27 28 9 2 -
Day Hospital Agreements 9 108 84 63 34 26 8 1 -
Industry Maximum 11 108 94 64 35 39 9 2 -
Address:
25 Cattley Street
Burnie
TAS 7320
Phone: