HICA Website 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 www.hica.com.au or any variation of this domain name or any web page or material which can be accessed through www.hica.com.au 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:

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

and for no other purpose.

Your Obligations

You agree:


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:

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.