Calculate Medicare Levy Surcharge
Depending on your annual income, taking out private Hospital cover could help you avoid the Medicare Levy Surcharge (MLS). Use our MLS calculator to find out how much extra tax you might be paying.
How much extra tax could you pay without hospital cover?
Nice one! Looks like you might not have to pay the Medicare Levy Surcharge.
This is a guide only. It assumes you have no MLS dependants. You should speak to a financial advisor who will be able to take into account your income and personal situation, including any changes that occur during a tax year.
Want to invest in your health and avoid the MLS with Hospital cover?
Medibank Basic Plus Healthy Start
This hospital cover includes a range of common services and procedures, such as:
- Accident Cover Boost+
- Unlimited Emergency Ambulance^
- Joint reconstructions
- Dental surgery
- And more...
Medibank Bronze Plus Value
Wallet-friendly hospital cover that can help you feel protected and support your active lifestyle.
- Gastrointestinal endoscopy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Gynaecology
- Bone, joint and muscle
- And more...
Medibank Bronze Plus Value
Invest a little more to get more cover
Wallet-friendly hospital cover that can help you feel protected and support your active lifestyle.
- Gastrointestinal endoscopy
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Gynaecology
- Bone, joint and muscle
- And more...
Medibank Silver Plus Support
Providing cover towards a range of services including heart & vascular, rehabilitation and more.
- Broader range of services
- Heart and vascular system
- Plastic and reconstructive surgery (medically necessary)
- And more...
Waiting period and annual limits may apply.
Hospital only offer - Want 6 weeks free plus up to $400 in gift cards?
Join and maintain eligible Bronze hospital cover or above and you could get 6 weeks free plus 40,000 Live Better points (couples and families) or 20,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. Use promo code: HOSP6WEEKS. New members only.⚭
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Learn about other government incentives and discover how private health insurance can benefit you at tax time
Enquire today, the numbers add up
We can recommend more covers based on what you selected.
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Things you should know
1 Australian Taxation Office - Australian Government; Appropriate level of patient hospital cover; retrieved June 2025.
2 Taxable income + fringe benefits. No net investment losses.
+ For Accidents that occur in Australia after your cover starts. Must seek medical treatment within 7 days, and receive hospital treatment within 12 months of the Accident occurring. Excludes Private Emergency Department Benefit, hospital bonus, claims covered by third parties and our Private Room Promise. Out-of-pocket costs may apply.
^ Waiting period applies. For ambulance attendance or transportation to a hospital where immediate medical attention is required and your condition is such that you couldn't be transported any other way. TAS and QLD have State schemes that provide ambulance services for residents of those States.
# The single parent/couple/family income threshold is increased by $1,500 for each MLS dependant child after the first child. 'Income’ and 'dependants' have a specific meaning for Medicare Levy Surcharge purpose. Learn more.
Medibank Private Limited cannot advise on financial or tax matters. Any information provided to you is general in nature and does not take account of your individual circumstances. You should obtain your own independent financial advice.
⚭For new members on new memberships who join and start eligible Bronze hospital cover or above from 30 January 2025 and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must quote promo code HOSP6WEEKS and set up direct debit when joining. Excludes Basic Hospital Cover, combined Hospital and Extras Cover, Corporate Covers, Extras only Cover, Accident Cover, Overseas Visitors Health Cover, Overseas Workers Health Cover, Overseas Students Health Cover (OSHC), Ambulance Cover, ahm covers, and other selected covers. Not available to Medibank employees. Not available with any other offer. Medibank reserves the right to amend these Terms and Conditions from time to time.
6 weeks free terms: Must maintain direct debit and hold eligible cover for 42 consecutive days from the policy start date to get next 6 weeks free. The 6 weeks free will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period.
Live Better rewards points terms: Must maintain direct debit and hold eligible product for 42 consecutive days from the policy start date to receive Live Better rewards points. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank app. Policyholder will need to have registered a My Medibank account, sign up to Live Better via the My Medibank app and track a Live Better activity within 42 consecutive days from the policy start date. Must be 16 years or over to register for Live Better. Live Better rewards points could take up to 10 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 20,000 Live Better rewards points, and families and couples will receive 40,000 Live Better rewards points.
Live Better rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Live Better via the My Medibank app to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better terms here: https://www.medibank.com.au/livebetter/rewards/terms/