How does Lifetime Health Cover loading work?

ABC blocks

Lifetime Health Cover (LHC) loading is a Government rule. LHC makes people pay more for hospital cover if they don’t take it up by 1 July after their 31st birthdays

LHC adds 2% to the cost of a hospital cover for each year without hospital cover if you decide to take it out in future. Nasty and best avoided.

Lucky for you, avoiding a Lifetime Health Cover loading is easy! Just take out any of our hospital covers and you’ll lock in your loading-free price before you turn 31. We’ve got a bunch of cover options so there’s bound to be one that’s right for you.

Not sure if hospital cover is worth it? Here’s why we think it is. And we know being a fully fledged adult can be a bitter pill to swallow. 

Plus, we’ll take 10% off your extras cover when you combine extras cover with hospital cover.


You may be interested in:


About Health Insurance: Government rules