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Over 30 with

no hospital cover?

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

Over 30 with no

hospital cover?

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

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

What is the Lifetime Health Cover (LHC) 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 your without Hospital Cover, your LHC loading increases by 2% to a max of 70%
Example

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.

LHC-graph

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

  • Jump the queue

    Read more

    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

    Read more

    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

    Read more

    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

    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.

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.

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.

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
312%$44.89
324%$89.77
336%$134.66
348%$179.55
3510%$224.43
3612%$269.32
3714%$314.20
3816%$359.09
3918%$403.98
4020%$448.86

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. Calculation does not include COVID-19 reduced rate The LHC amount will be added to your hospital cover and will remain in place for 10 continuous years

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

What is the Lifetime Health Cover (LHC) 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.

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

  • Jump the queue

    Read more

    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 more

    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

    Read more

    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

    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.

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.

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 your without Hospital Cover, your LHC loading increases by 2% to a max of 70%
Example

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.

LHC-graph

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.

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
312%$32
324%$66
336%$97
348%$130
3510%$163
3612%$195
3714%$228
3816%$261
3918%$293
4020%$326

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 amount will be added to your hospital cover and will remain in place for 10 continuous years

Canstar Most Satisfied Customers 2019 Health Insurer
Canstar Most Satisfied Customers 2019 Health Insurer

Canstar awarded ‘Most Satisfied Health Insurance Customers’ 2 years running

Health Partners are proud to provide better value for money, more comprehensive health cover and better customer service Australia-wide.

Canstar Most Satisfied Customers 2019 Health Insurer
Canstar Most Satisfied Customers 2019 Health Insurer

Canstar awarded ‘Most Satisfied Health Insurance Customers’ 2 years running

Health Partners are proud to provide better value for money, more comprehensive health cover and better customer service Australia-wide.

Choose great value hospital cover
to suit your needs and budget

*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.

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