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Guide

Lifetime Health Cover Loading

Reviewed and updated 3 April 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.

What is the Lifetime Health Cover Loading?
How long does the Lifetime Health Cover Loading last?
How much is the Lifetime Health Cover Loading?
What is the Lifetime Health Cover Loading Base Day?
How do I calculate my Base Day?
Do I have to pay the Lifetime Health Cover Loading if there has been a gap in my Hospital Cover?
How does the Lifetime Health Cover Loading work for people with a disability?
How does the Lifetime Health Cover Loading work for new migrants to Australia?
Do I have to pay the Lifetime Health Cover Loading if I am an Australian who lives overseas and return to Australia temporarily?
How does the Lifetime Health Cover Loading work if I am an Australian who has been living overseas and return to Australia permanently?
Who receives a Lifetime Health Cover Loading exemption?

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