Over 30 with

no Hospital cover?

Join great value hospital cover by June 30 to avoid the Lifetime Health Cover (LHC) loading or loading increase

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What is the Lifetime Health Cover Loading?

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.

Here's how it works:

  • You turn 31
  • You get Hospital Cover by June 30 and avoid the LHC
  • If you don’t, you’ll get stuck paying an extra 2% for Hospital Cover – that’s the LHC loading
  • For every year you're without Hospital Cover, your LHC loading increases by 2% to a max of 70%

Calculate your LHC loading

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.

AgeLHC loadingWhat you'll pay extra per year
31 years old2%$57.54
32 years old4%$115.09
33 years old6%$172.63

34 years old

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

How to avoid the LHC

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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Why get hospital cover when there's a public system?

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Choose great value Hospital cover to suit your needs and budget

Choose from five levels of Hospital cover and have confidence knowing exactly what you’re covered for if you need to go to hospital.

Looking for Extras Cover? Compare here

Cover prices for a single, starting from:

*Premiums displayed are for applicants in SA entitled to base tier Australian Government Rebate, nil Lifetime Health Cover loading and $750 excess (relating to Hospital Cover only), and paid via direct debit.

Limits, waiting periods, restrictions and exclusions may apply. Benefits vary according to cover level- those noted throughout this page provide a snapshot of some that may apply when using a Health Partners Participating Provider or Hospital, and may relate to specific item numbers or incorporate further terms and conditions. 20% Pharmacy discount applies to most non-prescription items at Participating Pharmacies, to eligible Health Partners members with Extras cover. Conditions and exclusions apply, refer www.healthpartners.com.au/generous-extras/pharmacy for full details and to find your nearest Provider.

Refer to individual cover details and the Health Partners Member Guide for more information.

˜Members stay with our Hospital Cover a long time compared with other open health funds, Private Health Insurance Ombudsman, State of Health Funds report 2020 and 2021.

#Canstar 2019-2022. Compares Health Partners customer responses with average of other brands researched.

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