Join great value hospital cover by June 30 to avoid the Lifetime Health Cover (LHC) loading or loading increase
Lifetime Health Cover (LHC) is an Australian Government initiative designed to encourage you to take out hospital cover earlier in life, and to keep it. It’s added onto your hospital premium if you wait until after you’re 31 to take it out.
If you join at 35 you’ll pay 10% more for the same policy, compared to someone who joined at 30. This loading is only on your hospital policy and remains in place for 10 continuous years.
If you’re 31 or over, check your age to see how much extra LHC loading you could pay if you don’t have hospital cover on 1 July.
Age | LHC loading | What you'll pay extra per year |
---|---|---|
31 years old | 2% | $57.54 |
32 years old | 4% | $115.09 |
33 years old | 6% | $172.63 |
34 years old | 8% | $230.17 |
35-65 years old | Continues to increase 2% every year |
Example used for illustrative purposes. Calculations based on a 2022 Single Gold Hospital Complete cover $750 excess with the base tier rebate and 3% debit discount. The LHC percentage will be added to your hospital cover and will remain in place for 10 continuous years
Simple, just add Hospital Cover to your membership by June 30 following your 31st birthday.
Why is it added?
By law, we’re required to apply the LHC Loading to Hospital Cover when people join after their 31st birthday.
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© Copyright Health Partners. 2022 All Rights Reserved.
Health Partners is committed to providing quality and affordable health care, and we value our members and our obligation to protect your privacy. As part of our responsibility in protecting your privacy, from time to time we review our policies to ensure we are meeting our obligations. We have recently made some updates to our Privacy Policy. Please click here to view the Health Partners Privacy Policy.
© Copyright Health Partners. 2022 All Rights Reserved.
Health Partners is committed to providing quality and affordable health care, and we value our members and our obligation to protect your privacy. As part of our responsibility in protecting your privacy, from time to time we review our policies to ensure we are meeting our obligations. We have recently made some updates to our Privacy Policy. Please click here to view the Health Partners Privacy Policy.
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