Lifetime Health Cover

Lifetime Health Cover is a loading that was put in place by the Federal Government. This is to encourage people to take out private hospital cover earlier in life.

Avoid LHC with a hospital cover that suits you.

How do I avoid Lifetime Health Cover loading?

Join any nib hospital cover
before June 30 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.

Find out more about how you could avoid the Lifetime Health Cover loading.

*QLD & TAS residents are covered by State Ambulance Schemes

How Lifetime Health Cover works


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 June 30 following your 31st birthday.

Who does LHC apply to?

LHC will apply if you are 31 or over and:

  • Don't have private hospital cover before June 30 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 happens if I am over 31?

If you will be 31 or older by June 30 and don't have private Hospital cover yet, you will pay the additional LHC loading on your Hospital premium once you decide to take it out. For each year you put it off, your loading will go up by another 2%. Don't wait any longer — put a lid on your loading and get a quote on Hospital cover.

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 June 30 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 16 42.

Avoid LHC with a hospital cover that suits you.

Want more info?

Contact us, or visit the department of Health and Ageing website at