The Government Lifetime Health Cover loading (LHC) adds 2% to your premium for every year you are aged over 30 and don’t have Hospital cover – up to a maximum of 70%.

For full details see Lifetime Health Cover

If you earn over $90,000 a year, you might need to pay the Medicare Levy Surcharge, an additional levy the government charges on top of the standard levy paid by most Australians to fund Medicare. Having Private Hospital cover means you could save every year.

Find out more on Medicare Levy Surcharge

Health Insurance is legislated by the government which means the government sets a maximum amount of discount that can be offered by health funds, making Health Insurance fair for all Australians. We understand that health insurance can be expensive, but by paying your premium by direct debit you’ll receive a 3% discount.

Get a premium discount on Hospital Cover for 18 – 29 year olds and keep it till you’re 41. The younger you are when you take out hospital cover, the higher your discount. Once you have your age-based discount, it will stay in place until you turn 41 years old.

When joining us, we’ll contact your insurer and cancel your cover the day you join, making sure you have no break in cover.