HCi

After decades of paying top dollar for confusing Health Insurance and often being shocked by the often lower than expected refunds, well I just lost it one day and thought "enough, I want a better deal!" I did my homework. Discovered the ethics of Not For Profit alternatives and after much research decided on HCI.

I've been with HCI for 3, close to 4 years now. Am so impressed with what they cover, HCI has never let me down from dental to preventative medicine procedures. So far I've had no serious illness where they have had to stand front and centre but I have every confidence if that should ever happen they'd deliver as good, if not better than all the greedy, profit making health insurance piranha companies. And they are so affordable for a self funded retiree.

We have been with HCI for nearly 30 years and have had claims for hospital on a few occasions as well as extras on a regular basis. They have always paid promptly and without question and the customer service is great. I recently priced other funds only to find they cannot even provide a lesser cover for the amount we pay to HCI so we have no complaints at all.

We were insured with Gov.Employees Health Fund, which then became Australian Heath Management, for more than 30 years. These funds were member owned not for profit with their own in house dental services & run for the benefit of the members. AHM was bought out by Medibank in 2009 and from that time onwards the in house dental practices were sold off and rates for Hospital & Extras cover increased substantially every year while the Extras benefits have been eroded away. However, we must also say that we recently made a very large Hospital claim and AHM + Medicare paid everything except the gap fee for the surgeons & anaesthetist.

So finally, we made the effort to do the research to find a better value for money health fund. The website www.privatehealth.gov.au provided a lot of good information allowing us to compare Hospital & Extras insurance offerings.
We have now gone with Health Care Insurance which is a not for profit fund set up for the benefit of members. We have selected the Premier Hospital +Premier Extras cover, which is $70/ month cheaper than AHM Top Hospital & Family Extras, while providing equivalent Hospital cover with substantially superior cover and refunds for Extras.

We have submitted four claims so far & are very pleased with the service and the refunded amounts paid for each claim.

We browsed the web and found that this business has an active Facebook page. We have discovered that this business has SSL (secure sockets layer), which means that this business handles your data, such as personal information or credit card details, with secure connection. We found that the domain for this business is older than two years which could be an indication that this is a trustworthy business with an established customer base and experience in their field. We found that this business has an Instagram page, where they communicate with their customers using images and videos. This is usually an indication that the business has some visual aspects that it wants to showcase. We found that this website accepts payments, which means that you can purchase goods or services directly from their site.