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Health Insurance Consultants Australia Terms of Use

Terms Of Use

As a user of this website, you are bound by the following Terms of Use. You should carefully read and review all of these terms.

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


In these Terms of Use:

    means Health Insurance Consultants Australia Pty Ltd (ABN 87 056 947 276) and all or any of its related bodies corporate within the meaning of the Corporations Act 2000 (Commonwealth) and includes its officers employees and agents.

    means any mechanism for providing a link or transfer from one location on the Internet (or a web page) to another location on the Internet (or a different web page or a different location on the same web page), and includes any mechanism for linking to, or providing access to, files via the Internet.

    refers to any word, statement, photograph, graphic or any other thing appearing on or located on the website.

    Terms of Use, Terms
    means these Terms of Use or any of them or any modification, substitution, variation or amendment to these Terms of Use.

    third party site
    means any website owned or controlled by any person other than HICA.

    we, us, our
    or any variation thereof means or is a reference to HICA.

    the or this website
    means or any variation of this domain name or any web page or material which can be accessed through which is owned or controlled by HICA.

    user, you or your
    or any variation thereof means or is a reference to a user of this website.


HICA grants to you a licence to use its website, and by accessing the website you accept and agree to these Terms of Use. Pursuant to this licence you acquire a non exclusive right to:

  • View the material in the website.

  • Access material contained in the website.

  • Use the website in any other way that is permitted by this licence or these terms.

You may only download and use any material contained on the website:

  • for a temporary purpose (such as viewing off-line); or

  • for the purpose of transacting business with HICA; or

  • as a personal record of business which you have transacted with HICA;

and for no other purpose.

Your Obligations

You agree:

  • Not to use any material on the website for a commercial purpose, or copy, reproduce, transmit, distribute, link to, frame, adapt, alter, vary or modify any material on the website except as expressly authorised by these terms or with the written consent of HICA but if you are an internet service provider, you may supply materials on this website to your subscriber.

  • Not to use the website for any illegal activity or in a way which defames, harasses, threatens, menaces, offends any person, or inhibits or restricts the use of the website by any other person.

  • Not to make any false statement request or claim to HICA.Not to use another person's name, user name or password to access the website or receive services offered by HICA.

  • Not to knowingly transmit any virus or disruptive or disabling feature to HICA.

  • Not to permit any other person to do any of the things which you agree not to do.

  • To destroy any copies, electronic and printed, or any material obtained from this website that you have in your possession or control or otherwise return or dispose of such material as directed by HICA, if at any time HICA terminates this license.

  • That HICA can use, reproduce, publish, modify, adapt or transmit any information which you post on the website or transmit to HICA, without restriction and free of charge, subject to the HICA Privacy Statement.

  • To indemnify and keep indemnified HICA against all liabilities, damages, claims, losses, costs and expenses which HICA may incur to you or any other person as a result of your breach of the provisions of these terms.


HICA does not warrant that the material on this website is accurate, complete or up to date.

Information available on the Website relies on information provided from other sources including Health insurance providers over which HICA has no control.

Based on your chosen cover and the information you provide, HICA will forward your personal information to the relevant health insurer but does not guarantee that your application for membership with the chosen fund will be accepted.

HICA does not warrant that this website or any third party website will be uninterrupted or without error or defect or virus or other harmful component or that any error, defect or virus or other harmful component will be corrected.

HICA has no obligation to provide access to this website at any time or at all.

HICA may vary, amend, alter, or withdraw this website at any time.

HICA may at any time, and without notice, limit or terminate access of a user to this website.

You agree that HICA is not responsible or liable for:

  • any error or omission relating to the material in this website oryou acting or relying on the material on this website or

  • any delay or interruption to your access to this website or

  • damage to computer hardware or software or loss of information stored on a computer arising out of your access to this website or any third party site by a link from this website.

Intellectual Property Rights

Copyright in the material on this website is owned or controlled by HICA.

"HICA" and the HICA mark or logo and any associated trademarks are the property of HICA.

Changes to these Terms

HICA may at any time change, vary, amend, alter or withdraw these Terms of Use.

It is your responsibility to review and consider the Terms of Use every time you use this website.

Links to Third Party Sites

Links to third party sites are provided for convenience only and do not imply any association with, endorsement, or approval of the third party site, or the contents of the third party site, or the people who operate the third party site. Any access to or use of a third party site is at your discretion and at your own risk.

Jurisdiction and Geographic Limits

These Terms of Use are governed by and construed according to the laws of Victoria, Australia.

You submit to the non exclusive jurisdiction of the Courts in Victoria in matters concerning this licence.


These Terms of Use must be read in conjunction with the HICA Privacy Statement.

If there is any discrepancy or difference between material on this website and material contained in any written publication, form, or agreement by HICA or a Health Fund then the written version prevails.

If any of these Terms of Use are held by a court to be invalid, then the invalid Terms of Use shall be excised and the remaining Terms of Use shall continue in full force and effect.

A failure by us to pursue any legal right against a user does not constitute a waiver by us of that right.