Review your cover – Many people join a health fund and then never get around to reviewing their cover. Over time, people’s health care needs change – and health funds often change the benefits and premiums of their policies. So after you’ve been a member of a policy for a few years, the policy you have may no longer be the best one for you. It’s important to have a good look at your needs every year to make sure your cover is best suited to your requirements. You can undertake the review yourself or you can use HICA’s free, no obligation review service. HICA’s health cover health check.