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Lifetime Health Cover Loading
Guide

What is the Lifetime Health Cover Loading?

Reviewed and updated 3 April 2024

The Lifetime Health Cover Loading is an extra charge you have to pay if you take out Hospital Cover after the age of 30 unless you fall into one of the exemptions. 

It is a 2% loading you will pay on top of your Hospital Cover for every year you are over the age of 30 if you are taking out Hospital Cover for the first time.

The maximum Loading you will have to pay is 70% for 10 years.

The Lifetime Health Cover Loading does not apply to:

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