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Australian Health System
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Health Insurance Prices
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Private Health Insurance
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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 and 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 and 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
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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The Lifetime Health Cover Loading Base Day is the date the Australian Government uses to calculate whether you will have to pay the Lifetime Health Cover Loading.
If you permanently live in Australia, your Base Day will be the later of:
- 1 July 2000 or
- 1 July following your 31st birthday.
If you take out Hospital Cover after your Base Day, you will have to pay the Loading on top of what you are paying for Hospital Cover.
The Loading is 2% on top of the cost of your Hospital Cover from your Base Day for every year you are over 30 until 1 July before joining your health insurer.
If you are a new migrant to Australia or an Australian who has been living overseas, the rules about the Loading are different.
A quick and easy way to calculate both your Base Day and Lifetime Health Cover Loading is to use our healthslips.com.au Calculator.