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Reviewed and updated 3 April 2024

To calculate how much is your Lifetime Health Cover Loading, you can either use the healthslips.com.au Calculator or take the following steps:

Step 1:

Calculate your Base Day

Your Base Day is the later date of:

  • 1 July 2000 (when the Australian Government introduced the Lifetime Health Cover Loading) or
  • 1 July following your 31st birthday.

Special circumstances apply if you are a new migrant or an Australian who has been living overseas.

Step 2:

Calculate your Lifetime Health Cover Loading

You will pay a 2% Lifetime Health Cover Loading on top of the cost of your Hospital Cover for every year from your Base Day before taking out cover.

The maximum Loading you will have to pay is 70%.

Step 3:

Consider when you will stop paying the Lifetime Health Cover Loading 

You will stop paying the Lifetime Health Cover Loading 10 years after taking out Hospital Cover.

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