Lifetime Health Cover Calculator

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Good news! You are not affected by Lifetime Health Cover because you were born on or before 1 July 1934.

Good news! You are not currently affected by Lifetime Health Cover because you are aged under 31 or have turned 31 prior to July 1st.

To avoid paying the Lifetime Health Cover loading in the future make sure you maintain continuous hospital cover from 1st July following your 31st birthday.

All nib hospital covers (including nib Hospital and Extras packages) meet Lifetime Health Cover requirements.

Good news! You are not currently affected by Lifetime Health Cover because you are aged under 31 or have turned 31 prior to July 1st.

To avoid paying the Lifetime Health Cover loading in the future make sure you take out hospital cover by 1st July following your 31st birthday.

All nib hospital covers (including nib Hospital and Extras packages) meet Lifetime Health Cover requirements.

Your Lifetime Health Cover loading = %.

Your loading will increase by a further 2% for each year you don’t have hospital cover (up to a maximum 70%). To minimise your loading in the future you should consider taking out hospital cover.

All nib hospital covers (including nib Hospital and Extras packages) meet Lifetime Health Cover requirements.

Good news! You are not currently affected by Lifetime Health Cover because you have had hospital cover continuously since 1st July following your 31st birthday.

To avoid paying the Lifetime Health Cover loading in the future make sure you maintain continuous hospital cover.

All nib hospital covers (including nib Hospital and Extras packages) meet Lifetime Health Cover requirements.

Your Lifetime Health Cover loading = %.

Your loading will increase by a further 2% for each year you don’t have hospital cover (up to a maximum 70%). To minimise your loading in the future you should consider taking out hospital cover.

All nib hospital covers (including nib Hospital and Extras packages) meet Lifetime Health Cover requirements.

Your Lifetime Health Cover loading = %.

The good news is your loading will be removed after 10 years if you maintain continuous hospital cover.

All nib hospital covers (including nib Hospital and Extras packages) meet Lifetime Health Cover requirements.

Good news! You are not currently affected by Lifetime Health Cover because you have available 'Days of Absence'.

To avoid paying the Lifetime Health Cover loading in the future make sure you take out hospital cover before a total of 1094 days have passed without cover.

Invalid DOB please correct date to proceed

Invalid date in the health cover range please correct dates to proceed.

Invalid health cover date range, from date greater than to date.
Error selected date is in the future.

Important information: The results of this calculator are intended as a guide only. Please read the important information about Lifetime Health Cover below as there are other factors that may affect your Lifetime Health Cover Loading. For more information feel free to contact us.

Lifetime Health Cover (LHC)

LHC is a loading that was put in place by the Federal Government from July 1st 2000. This is to encourage people to take out private hospital cover earlier in life.

What it means for you

Loading
For each year
You could pay an extra 2% on top of your private hospital premium (up to a maximum of 70%).

To avoid paying a LHC loading, you need to purchase hospital cover by 1 July following your 31st birthday.

Avoid LHC loading

Join any nib hospital cover
before 1 July following your
31st birthday.
Stay with it, and you'll avoid the 2% annual loading.
Lifetime Health Cover loading only applies to the hospital portion of your premiums on a combined cover and does not apply to Extras cover or Ambulance only cover.
*QLD & TAS residents are covered by State Ambulance Schemes

What happens if I wait?

Base rate of $600 is a representation only.

Calculate your loading price
See how LHC affects you and calculate your loading.
Calculate Now

Who does LHC apply to?

Will apply if you are 31 or over and:

  • Don't have private hospital cover after July 1 following your 31st birthday
  • Have periods totalling more than 1,094 days without private hospital cover
  • Migrated to Australia and don't take out private hospital cover within 12 months of being registered for full Medicare benefits.
  • Have been travelling overseas and don't take out private hospital cover within 12 months from the day you returned to Australia

What if I am switching between health funds?

If you switch to us from another fund we recommend you keep your cover with your old fund until the date you transfer to us. This way you avoid using up any of the 1,094 permitted days you can be without hospital cover during your lifetime. Also, if you already have an LHC loading, it will move with you.

What happens if you have a gap between health funds?

You can be without private hospital cover for periods totalling one day short of three years (1,094 permitted days) during your lifetime without affecting your loading. If you have a gap of 1,095 days you will have to pay a 2% loading on rejoining private hospital cover. For every 365 days without cover after that, your loading will increase by a further 2% up to a maximum loading of 70%.

When do I stop paying the LHC loading?

If you take out private hospital cover after July 1st following your 31st birthday and Lifetime Health Cover loading is applied to your health cover when you join, you will need to pay this loading for 10 consecutive years before it ceases to apply.
Once the 10 year mark is reached on your policy, a letter will be sent out confirming the new premium amount. Any other individuals on the policy who are eligible for this removal will also be contacted at this time. If you don't hear from us, and feel you are eligible for the premium reduction, please give us a call on 13 14 63.
Avoid LHC with a hospital cover that suits you.

Want more info?

Contact us, or visit the department of Health and Ageing website at www.health.gov.au