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Health Insurance Consultants Australia Disclaimer


HICA's services are provided to assist you to select insurance. You are responsible for the final choice of your insurance policy and should consider fully health fund policy information provided to you before making a decision. If you are in any doubt about an insurance policy or its terms, you should seek further advice or clarification from HICA before choosing your insurance policy.

Use of HICA's Website and online services is subject to Terms and Conditions. By using this website you acknowledge and agree to the Terms of Use and that HICA may use your personal information for the provision of Health Insurance services as stated in HICA's Privacy Statement.

Policy information and premium amounts quoted on this Website are subject to change and may also vary depending on your circumstances, the payment method and payment frequency chosen. Whilst HICA endeavours to keep all policy details and premiums current, HICA does not guarantee the accuracy of policy pricing, information and materials provided on this Website.

This website is provided for the general information of users only and should not be relied upon without first checking with us.

If there is any discrepancy or difference between material on this website and material contained in any written publication, form, or other document provided by the relevant Insurer, then the Insurer documentation prevails.

Acceptance of your application is subject to the acceptance rules of the relevantinsurer.  HICA has no control over the acceptance of a membership of the relevant insurer.

Financial Services Guide (FSG)

HICA's Financial Services Guide (FSG) is an important document which we are required to give to you under the requirements of our Australian Financial Services Licence. It provides you with information about HICA to help you decide whether to use the financial services we provide. This FSG outlines the types of services and products we can offer to you. It also explains how we (and other relevant persons) are remunerated for these services and includes details of our internal and external complaints handling procedures and how you can access them.

A printable PDF version of this guide is available here.

Participating Health Funds

HICA is remunerated by Underwriters with which HICA has a distribution agreement (participating health funds).  To ensure HICA's policies continually represent high value, HICA regularly reviews the market and may change the list of participating health funds accordingly.

The remuneration received by HICA is typically less than 5% of premiums and allows us to provide professional health insurance services to Australian residents at no charge and without obligation.  In some instances, HICA may share remuneration with selected charities, not-for-profit groups, associations and organisations with whom we have a current service agreement.

Consumers do not pay additional fees or premiums to participating health funds for using HICA's services.

The remuneration received by HICA does not influence policy premiums nor the advice we provide regarding the products offered by participating Health Funds.

HICA does not represent all health funds. Some funds only make their policies available through their branches or limited outlets, while others do not, or no longer offer products that HICA views as competitive.

HICA only recommends policies from Government Registered Health Funds.