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

Steph Front on

Now’s the time to get affordable cover sooner.
Let’s look at some of the reasons why.

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.

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%


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

Jump the queue

Choose your own specialist

Have the same specialist care from start to finish

Recover in the privacy of your own room

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.

Choose the right cover

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



Example used for illustrative purposes. Calculations based on a 2020 Single Gold Hospital 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

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.

#Canstar 2019-2020. Compares Health Partners customer responses with average of other brands researched.

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