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% | $75.23 |
| 32 years old | 4% | $150.47 |
| 33 years old | 6% | $225.70 |
34 years old | 8% | $300.93 |
| 35-65 years old | Continues to increase 2% every year |
*Example used for illustrative purposes. Calculations based on a 2023 Single Gold Hospital Advantage Cover with a $750 excess in SA. No rebate and no direct debit discount applied. 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?
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Jump the queue
Read moreJump 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
Read moreChoose 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
Read moreHave the same specialist care from start to finish
Continuity of care is something that can’t be undervalued.
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Recover in the privacy of your own room Read more Recover in the privacy of your own room
Read moreRecover in the privacy of your own room Read more 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.
Switching from another health fund? No worries!
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We do all the paperwork & contact your insurer
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Waiting periods already served switch with you
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30 day cooling off period to make sure you’re happy
Choose great value private health cover to suit your needs and budget
Get higher extras limits when you combine hospital and extras cover.⁺ Cover prices for a single, starting from:
Basic Hospital Plus
$18
.48*
Per week
Affordable cover for accidents and basic hospital services
-
Choice of excess
-
Accident cover
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Unlimited Emergency Ambulance
Bronze Hospital Plus
$21
.69*
Per week
Great starter cover for a range of common procedures
-
Choice of excess
-
No excess for accidents
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Unlimited Emergency Ambulance
Silver Hospital Plus Lite
$27
.30*
Per week
Even more protection with some exclusions to keep costs down
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Choice of excess
-
No excess for dependants
-
Unlimited Emergency Ambulance
Silver Hospital Plus Advantage
$35
.65*
Per week
High level of cover for a wide range of procedures
-
Choice of excess
-
No excess for dependants
-
Unlimited Emergency Ambulance
Gold Hospital Advantage
$52
.90*
Per week
Top cover that includes pregnancy and birth related procedures
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No excess for dependants
-
Unlimited Emergency Ambulance
-
No Clinical Category Exclusions
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Your waiting periods switch with you
You won’t need to re-serve equivalent waits
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30 day cooling off period
To make sure you’re happy
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Not-for-profit, we’re in it for you
Caring for members’ health for over 80 years
Your waiting periods switch with you
You won’t need to re-serve equivalent waits
30 day cooling off period
To make sure you’re happy
Not-for-profit, we’re in it for you
Caring for members’ health for over 80 years
Busy? Get a call back
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© Copyright Health Partners. 2024 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. 2024 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.