Lifetime Health Cover

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What’s Lifetime Health Cover (LHC)?

The Lifetime Health Cover Loading is an Australian Government initiative designed to encourage you to take out Hospital cover earlier in life, and to keep it.

How does it work?

The loading is applied at 2% for every year that you don’t have hospital cover on the 1st of July following your 31st birthday. This loading is only on your Hospital policy and remains in place for 10 continuous years.

For example, if you join at 35 you’ll pay 10% more for the same policy, compared to someone who joined at 30. The maximum loading is 70%.

Does LHC affect all Australians?

Some Australians are exempt from the Lifetime Health Cover loading. For example, those born on or before 1 July 1934 won’t pay a loading on their Hospital cover.

PrivateHealth.gov.au lists all the special circumstances that may affect your LHC loading if you’re over 30. The Lifetime Health Cover calculator is great for working out if a loading applies to you.

Lifetime health cover loading

Calculations based on 2018 Fortnightly Single Bronze Hospital cover with the base tier rebate and 3% direct debit discount. The LHC amount will be added to your hospital cover and will remain in place for 10 continuous years.

Join now and avoid paying more

To avoid paying extra, take out Hospital or Package cover with Health Partners before the 1st of July following your 31st birthday. Provided you maintain Hospital cover, you won’t pay the loading.

Things to know

  • The LHC doesn’t apply for life – it will be removed once you’ve paid the loading for 10 continuous years. It could be reapplied if you drop your cover and re-join later in life.
  • The Government Rebate doesn’t apply to the LHC loading.
  • Once you’ve got Hospital cover, you can drop your cover for a cumulative period of 1,094 days (i.e. 3 years less 1 day) without affecting your loading. This is known as ‘permitted days’.
  • For more information, search Lifetime Health Cover at PrivateHealth.gov.au