$200 eGift Card

and avoid paying more

Take out hospital cover by 30 June to stop the LHC loading. Plus get a $200 eGift Card.^

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What is the LHC loading?

The Lifetime Health Cover (LHC) loading is an Australian Government initiative that encourages people to take out hospital cover earlier in life, and to keep it. And by law we're required to apply the LHC.

How does it work?

If you don't have hospital cover by 1 July following your 31st birthday and choose to take it out after, a 2% loading will be added to your hospital cover premium and remains in place for 10 continuous years.

For every year you're without hospital cover your loading increases by 2%. So if you join at 35, you’ll pay 10% more for the same cover, compared to someone who joined at 30.

Avoid paying more by adding hospital cover to your membership by 30 June, plus you'll get a $200 eGift Card.^

 Message us now or call 8225 9675 and we will happily take care of everything for you. 


    ^The offer is one (1) AUD$ 200 Eftpos Gift Card. The offer is only available for eligible policyholders adding hospital cover to an existing Health Partners extras policy by 30/6/2022. Cover must be maintained for 60 days from cover start date. If the policyholder changes to an ineligible cover during this period, eGift Card will not be issued. The policyholder's membership must be financial to receive offer. The offer is not transferrable or redeemable for cash. Eftpos gift card cannot be used for payment of Health Partners’ private health insurance premium payments. The offer excludes employees and board members of Health Partners. Not available in conjunction with any other offers. Health Partners reserves the right to amend the offer terms and conditions without notice, including withdrawal. Only 1 gift card will be given per policy, regardless of the number of members covered on a policy. Subject to meeting these terms and conditions, the gift card will be mailed out to the policyholder’s nominated postal address approximately within 4 weeks after the 60 day cooling off period has been served. The gift card is supplied and issued by Cards4all Pty Ltd ABN 99 118 809 886 and subject to their standard Terms and Conditions of use available at https://cards4all.com.au/about... Health Partners is not liable for any damaged, undelivered, lost or stolen Eftpos gift cards and no replacement gift cards will be provided in the event of damage to, non-delivery of, or theft of a gift card.


    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

    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.


    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


    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.

    Switching from another health fund? No worries!


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