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On average we save our members $325 per year.

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Health Insurance 101

What is Lifetime Health Cover (LHC) loading?

Lifetime health cover (LHC) encourages young people to purchase and maintain hospital cover early in life. If you have not bought and maintained hospital cover from the year you turn 31, you will pay a 2% LHC loading on top of your premium for every year age over 30 if you choose to take out hospital cover later in life.

Do I have to serve waiting periods if I switch health insurance covers?

If you’ve had hospital cover for 12 months, typically you don't have to serve waiting periods if you switch to a similar health insurance policy. However, if you switch to a policy with a lower excess or higher cover, you will likely have to serve a waiting period (up to 12 months) for the extra services covered or savings.

What is the Australian Government Private Health Insurance Rebate?

The Private Health Insurance Rebate is an amount the government provides towards the cost of your private health insurance premiums. The rebate is determined based on your income, so your eligibility will depend on your annual earnings.

Does my health insurance policy automatically provide ambulance cover?

This depends on which state you live in and which insurer you choose. Most private health insurers provide Ambulance Cover and it often comes as part of hospital cover, but the level of coverage varies from insurer to insurer.

What is extras cover and can I save on medical expenses?

Extras cover – AKA ancillary cover or general treatment – covers you for out-of-hospital medical care that Medicare doesn’t cover, such as dental treatment, optometry, physiotherapy and more.

What’s the main benefit of having hospital cover?

Hospital cover helps with the costs of treatment as a private patient in a hospital. You have the option to be treated as a private patient in a public hospital, private hospital or day hospital. Buying private hospital cover also might mean you don’t have to pay the Medicare levy surcharge.