Explore Overview
Guides Overview
Australian Health System
(25 articles)
Health Insurance Prices
(20 articles)
Private Health Insurance
(29 articles)
Private Health Insurers
(15 articles)
Medicare
(28 articles)
Medicare Benefits Schedule (MBS)
(6 articles)
Pharmaceutical Benefits Scheme (PBS)
(8 articles)
Public Hospitals
(6 articles)
Private Hospitals
(6 articles)
Medicare Levy
(7 articles)
Private Health Insurance Rebate
(7 articles)
Age-based Discount
(5 articles)
Lifetime Health Cover Loading
(11 articles)
Insurers Overview
AAMI Health Insurance
ACA Health
ahm
AIA Health Insurance
Allianz Care Australia
APIA Health Insurance
Astute Simplicity Health
Australian Unity
Bupa Health Insurance
CBHS Corporate
CBHS Health
Defence Health
Doctors Health
Emergency Services Health
Frank
GMHBA
GU Health
HBF
HCF
HCi
Health Partners
HIF
Hunter Health Insurance (by CDH Benefits Fund)
ING Health Insurance
Latrobe Health Services
Medibank
Mildura Health Fund
Navy Health
nib
Nurses & Midwives Health
onemedifund
Peoplecare
Phoenix Health Fund
Police Health
Priceline Health Insurance
Qantas Insurance
Queensland Country Health Fund
Real Health Insurance
Reserve Bank Health Society (RBHS)
rt health
see-u By HBF
Seniors Health Insurance
St Lukes Health
Suncorp Health Insurance
Teachers Health
Territory Health Fund
Transport Health
TUH
UniHealth
Union Health
Westfund
AAMI Health Insurance
ACA Health
ahm
AIA Health Insurance
Allianz Care Australia
APIA Health Insurance
Astute Simplicity Health
Australian Unity
Bupa Health Insurance
CBHS Corporate
CBHS Health
Defence Health
Doctors Health
Emergency Services Health
Frank
GMHBA
GU Health
HBF
HCF
HCi
Health Partners
HIF
Hunter Health Insurance (by CDH Benefits Fund)
ING Health Insurance
Latrobe Health Services
Medibank
Mildura Health Fund
Navy Health
nib
Nurses & Midwives Health
onemedifund
Peoplecare
Phoenix Health Fund
Police Health
Priceline Health Insurance
Qantas Insurance
Queensland Country Health Fund
Real Health Insurance
Reserve Bank Health Society (RBHS)
rt health
see-u By HBF
Seniors Health Insurance
St Lukes Health
Suncorp Health Insurance
Teachers Health
Territory Health Fund
Transport Health
TUH
UniHealth
Union Health
Westfund
News Overview
NSW residents may face higher bill for health cover next year
Premiums predicted to rise by $114 a year
Claims for private hospital procedures rise, APRA report finds
Aussies parents paying large Gaps for obstetric care
Health insurers respond to Ozempic’s popularity
Health insurers paying more benefits than ever, report shows
Misunderstanding health insurance policy causes ‘bill shock’
Health insurance premiums to rise 3.03% on 1 April
Compare Overview
Calculate Cheapest Policy
Search for a new policy based on your health cover needs and budget. We compare every insurer and every policy.
Reviewed and updated 10 October 2024
In this Guide, we explain the Lifetime Health Cover Loading, which is an extra charge you may have to pay if you take out Hospital Cover after the age of 30.
This is one of the ways the Australian government persuades people to take out Hospital Cover earlier in life.
If you are over 30 and take out Hospital Cover for the first time, you have to pay a 2% Lifetime Health Cover Loading for every year you are over 30 up to a maximum of 70%.
The Lifetime Health Cover Loading stops after you have held Hospital Cover continuously for 10 years.
This Guide will help you work out whether or not you have to pay the Lifetime Health Cover Loading and how much it will cost if you do have to pay it.