Base Day - how do I calculate? - healthslips.com.au

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Do you have a reference number? Resume your calculation.

Explore Overview

Guides Overview

Australian Health System (25 articles) Health Insurance Prices (20 articles) Private Health Insurance (30 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)

Hospital Cover (9 articles) Extras Cover (5 articles) Ambulance Cover (5 articles) Excluded Treatments

Insurers Overview

AAMI Health Insurance

AIA Health Insurance

Allianz Care Australia

APIA Health Insurance

Astute Simplicity Health

Australian Unity

Bupa Health Insurance

Emergency Services Health

Health Partners

Hunter Health Insurance (by CDH Benefits Fund)

ING Health Insurance

Latrobe Health Services

Mildura Health Fund

Nurses and Midwives Health

Phoenix Health Fund

Priceline Health Insurance

Qantas Insurance

Queensland Country Health Fund

Real Health Insurance

Reserve Bank Health Society (RBHS)

Seniors Health Insurance

St Lukes Health

Suncorp Health Insurance

Teachers Health

Territory Health Fund

Transport Health

Westfund

Health insurers criticised for using ‘loophole’ to raise prices Aussies hit with higher out-of-pocket payments Aussies warned about ‘double dipping’ by medical specialists 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

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Calculate Cheapest Policy Search for a new policy based on your health cover needs and budget. We compare every insurer and every policy.

Compare Existing Policy Compare your existing policy with similar policies to meet your current health cover needs and budget. Compare every insurer and every policy.

compare existing policy

Calculate Rebate Discount & Loading Check if your health insurance premium decreases or increases by calculating your Government Rebate, Age-based Discount and Lifetime Health Cover Loading.

About Us Overview

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Stephen Treacey

Sophie Bartho

Vladimir Kundrat

Trudie McConnochie

Peter Kawecki

Loren Jaffe

Loren Jaffe Customer Engagement Australia

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Reviewed and updated 3 April 2024

If you live in Australia permanently, your Base Day will be the later of 1 July 2000 or 1 July following your 31^st birthday.

For example:

A person born in 1990

Iris was born on 20 March 1990. Her 31st birthday is 20 March 2021 so her Base Day is 1 July 2021.

A person born in 1967

Connor was born on 2 April 1967. His Base Day is 1 July 2000 (not 1 July 1998) because that is the date the Australian Government introduced the Lifetime Health Cover Loading.

If you are a new migrant to Australia or an Australian who has been living overseas, the rules about how to calculate your Base Day are different.

A quick and easy way to calculate your Base Day and Lifetime Health Cover Loading is to use our healthslips.com.au Calculator.

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