HCi (HCI)
HCi has been providing great value for money health cover to our 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.
HCi 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.
HCi operates in all states and territories.
Performance
This table compares this health insurer's performance on a range of factors. Some of this information has previously been published in the Private Health Insurance Ombudsman's State of the Health Funds report, available from the Ombudsman's website (www.ombudsman.gov.au). Please note information is not provided for some insurers in some states, as there are insufficient numbers reported 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) | 88.2% | 86.5% |
| Benefits as % of contributions | 74.7% | 81.1% |
| Management expenses % of contribution income | 18.4% | 10.8% |
| Management expenses per average policy | $821 | $413 |
| Coverage | ACT | NSW | VIC | QLD | SA | WA | TAS | NT | Australia |
|---|---|---|---|---|---|---|---|---|---|
| Hospital Related Charges Covered | 87.5% | 91.0% | 91.9% | 88.8% | 91.4% | 91.7% | 93.2% | 78.5% | 91.9% |
| Industry Result | 81.8% | 88.7% | 90.5% | 88.9% | 92.6% | 92.4% | 92.4% | 88.6% | 89.9% |
| Medical Services with No Gaps | 81.8% | 90.1% | 89.1% | 91.8% | 88.2% | 87.5% | 93.3% | 75% | 91.5% |
| Industry Result | 75.6% | 89.3% | 87.3% | 87.8% | 89.0% | 88.9% | 91.2% | 86.7% | 88.3% |
| Medical Services with No or Known Gaps | 91.1% | 96.6% | 98.5% | 97.9% | 99.2% | 95.2% | 98.1% | 100% | 97.9% |
| Industry Result | 91.2% | 96.4% | 97.8% | 96.8% | 99.3% | 98.0% | 98.8% | 95.9% | 97.2% |
| General Treatment (extras) Covered | 41.7% | 49.5% | 51.0% | 43.8% | 52.5% | 40.8% | 44.1% | 42.9% | 46.6% |
| Industry Result | 46.4% | 48.4% | 50.5% | 51.4% | 55.2% | 55.9% | 51.8% | 57.7% | 51.1% |
| Private Hospital Agreements | 6 | 90 | 71 | 58 | 20 | 23 | 8 | 1 | - |
| Industry Maximum | 8 | 98 | 72 | 58 | 24 | 24 | 8 | 2 | - |
| Day Hospital Agreements | 9 | 104 | 79 | 54 | 30 | 25 | 9 | 2 | - |
| Industry Maximum | 9 | 104 | 79 | 54 | 30 | 29 | 9 | 2 | - |
Burnie
TAS 7320