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
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.
| 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
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.
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
Jump the queue
Jump the queue
With Hospital Cover you can avoid long public hospital waits, which can take months or even years, by choosing your own doctor and timing for treatment.
Choose your own specialist
Choose your own specialist
You get to choose your own specialist, as well as where and when you’ll be treated.
Have the same specialist care from start to finish
Have the same specialist care from start to finish
Continuity of care is something that can’t be undervalued.
Recover in the privacy of your own room
Recover in the privacy of your own room
All levels of hospital policies cover you for a private room, where one is available, giving you comfort and privacy during your recovery.
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:
Basic Hospital Plus$17 .83* Per week Affordable cover for accidents and basic hospital services |
Bronze Hospital Plus$20 .58* Per week Great start cover for a range of common procedures |
Silver Hospital Plus Lite$25 .65* Per week Even more protection with some exclusions to keep costs down |
Silver Hospital Plus Advantage$34 .21* Per week High level of cover for a wide range of procedures |
Gold Hospital Complete$40 .46* Per week Top cover that includes pregnancy and birth related procedures |
|
Choice of excess 
Accident cover 
Unlimited Emergency Ambulance |
Choice of excess 
No excess for accidents
Unlimited Emergency Ambulance |
Choice of excess 
No excess for kids
Unlimited Emergency Ambulance |
Choice of excess
No excess for kids
Unlimited Emergency Ambulance |
Choice of excess
No excess for kids
Unlimited Emergency Ambulance 
No Clinical Category Exclusions |
|
|
|
|
|
|
|
Basic Hospital Plus
$17
.83*
Per week
Affordable cover for accidents and basic hospital services
Choice of excess
Accident cover
Unlimited Emergency Ambulance
Bronze Hospital Plus
$20
.58*
Per week
Great start cover for a range of common procedures
Choice of excess
No excess for accidents
Unlimited Emergency Ambulance
Silver Hospital Plus Lite
$25
.65*
Per week
Even more protection with some exclusions to keep costs down
Choice of excess
No excess for kids
Unlimited Emergency Ambulance
Silver Hospital Plus Advantage
$34
.21*
Per week
High level of cover for a wide range of procedures
Choice of excess
No excess for kids
Unlimited Emergency Ambulance
Gold Hospital Complete
$40
.46*
Per week
Top cover that includes pregnancy and birth related procedures
Choice of excess
No excess for kids
Unlimited Emergency Ambulance
No Clinical Category Exclusions
Switching from another health fund? No worries!
We do all the paperwork & contact your insurer
Waiting periods already served switch with you
30 day cooling off period to make sure you’re happy
© 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.