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About Health Insurance Consultants Australia (HICA)

Introduction to HICA

Health Insurance Consultants Australia Pty Ltd (HICA) is Australia's leading independently owned health insurance consultancy and brokerage.  We offer bespoke health insurance solutions to Corporate, SME, professional groups and associations as well as individuals.

We have been providing specialist health insurance advice and assistance for more than 30 years. In that time, we’ve helped tens of thousands of Australians secure appropriate, affordable health insurance and extensive experience working with Australian domiciled and multinational companies.  Our clients have head offices in all major Australian capitals as well as North America, Europe and Asia.  Our capabilities include arranging full spectrum of domestic, inpatriate and expatriate health insurance, together with comprehensive general insurance products and services.

HICA Insurance Brokers Pty Ltd (ABN 30122387660), is an Australian Financial Services Licenced General Insurance Broker (AFSL 341323) and is a Steadfast Group Limited (Steadfast) Network Broker.  We have the strength of the largest insurance broking network in Australia and New Zealand behind us.  HICA operates in New Zealand as HICA New Zealand which extends our direct capabilities in Australasia for the benefit of our clients with operations in those territories.  We are able to access insurance markets beyond the domestic health insurance funds to accommodate all our clients' needs, including exclusive group insurance products and arrangements.

We specialise in private health insurance but provide a wide range of corporate, commercial, small business and individual insurance products and services.

HICA Corporate Services

Our specialised health insurance consulting and broking services to corporates, SME, small business and professional associations include;

  • Corporate health insurance consulting

  • Plan design recommendation based on client objectives

  • Identifying key risk and providing informed solutions

  • Managing tender processes with appropriate recommendations

  • Plan placement and implementation

  • Presentations to client stakeholders on the health insurance plan and claims procedures as required

  • Employee communications and enquiries

  • Invoice management and reconciliation

  • New employee on-boarding and advice

  • Premium negotiations and plan renewals

  • Management reporting and analysis

  • Exiting employee personalised broking service

  • Web solutions providing individual product selection and quoting

HICA has developed a diverse range of innovative and flexible plan structures designed to accommodate all scales of organisations and the full spectrum of funding scenario's from fully voluntary to fully subsidised.  HICA plan structures are designed to reduce legislative exposure risk; provide cost control and certainty to the employer whilst also fracilitating alignment of the corporate health plan with HR recruiting and retention objectives.

HICA not only brings value to our clients in the development and implementation of an optimal plan structure, but additionally in the ongoing administration, performance and sustainability of the plan.

As part of our service offering we conduct a comprehensive review to ensure that your health plan programme is tailored to your requirements and that any decisions regarding the health plan going forward are highly informed by an understanding of available plan structure, funding and underwriting options.

Our approach to service involves the development of a formal documented process as outlined in our Client Service Plan, whereby every step in the process we will be providing you during the course of the programme year is detailed.

Our Corporate Service Team

HICA has the most experienced and dedicated corporate health insurance management team in the industry, with combined health insurance, financial services, employee benefit and insurance broking services experience in excess of 100 years.

Our experienced team uphold a culture of providing industry best solutions, tailored advice and excellent customer service.

An overview of our senior executive team credentials is can be viewed here.  We believe that our teams’ expertise and commitment to deliver excellent services is second to none.

Our Service Approach

The key to our success is our teams customer service focus and in depth understanding of the dynamics of the health insurance market.  This includes knowledge about the key drivers of costs, benefit developments, which insurers are the innovators and the followers, the strengths and weaknesses of benefit strategies, putting it simply, knowing what works and what doesn’t work.  The end result is a corporate health plan that meets your objectives, budget and is accepted by employees as a valuable addition to their benefit package.

Ensuring our clients can make informed decisions about their insurance combined with an ongoing commitment to continuously deliver professional services is the key advantage we provide to our clients. 

Our services to families and individuals

Insurance an important part of all Australian households budgets.  Whilst we offer a range of health and travel insurance cover options online, we don't just help you compare covers - we are your insurance advocate.  HICA provide clients with a personal approach to insurance advice through our free professional assessment service. Assessments can be delivered to us online, by e-mail, fax, post or even over the telephone.  You can be assured that one of our professional consultants will personally review your situation and forward full details of HICA’s recommended health insurance cover to you - usually within 48 hours.We listen to understand your needs and provide you with appropriate options to help you find the right cover at the right price.  

Importantly, we will monitor your cover arrangements to ensure that it continues to provide value in benefits and premiums relevant to your requirements. 

We save individuals and families time and trouble by:

  • Providing advice and assistance in assessing your insurance needs

  • Obtaining quotations on appropriate cover options

  • Joining or switching you to your selected cover hassle free

  • Keeping you up to date with policy alterations and important insurance related news

  • Reviewing your cover arrangements as your needs change

  • Providing you with professional ongoing service and assistance with any health insurance related matter

HICA's services to Australian individuals, couples and families are free and without obligation.  You do not pay additional fees or incur higher premiums for using HICA's services.

Our commitment to you

Assisting you to make an informed decision regarding your health insurance and ensuring the policy you join through HICA continues to provide you with excellent value in both cover and cost is at the very heart of what we do.

Having built our reputation on trust, integrity, knowledge and the delivery of service excellence we have developed a proven track record to look after and advise our many clients on the complex subject of health insurance.

  • Honesty and integrity      Honesty and integrity are core values of our organisation.

  • Professionalism      We exercise care, responsibility, sound judgement and equality when carrying out our services.

  • Competence     We bring appropriate skills and capabilities to every client assignment.

  • Objectivity     We are objective in forming our professional opinions and the advice we give.

  • Confidentiality     We respect the confidentiality of information.

  • Customer Focus and Satisfaction     We believe listening to our clients requests and understanding their needs. We strive to exceed client expectations in affordability, quality and service.

Please refer to our Financial Services Guide (FSG) for more information.