Skip to content
Healthslips logo
Greenslips logo
advertisement ad placement

Lifetime Health Cover Loading

Reviewed and updated 13 April 2023

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.

How we’re different

We promise

  • Compare every insurer and
    every policy
  • No commercial bias on prices
    and information
  • Cheapest price guaranteed
  • Free open access

We calculate

  • A price for a new policy
  • A comparison of your existing policy
  • Your Government Rebate,
    Age-based Discount and
    Lifetime Health Cover Loading

We promise

Compare Every InsurerCompare all Australian health insurers and every policy
No Commercial BiasIndependent prices and information, so you can make the right choice
Cheapest Price GuaranteedLook no further, no need to shop around
Free Open AccessCompare without entering your name, email or phone number
calculate your cheapest health insurance calculate now