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About Lifetime Health Cover (LHC)

What if I drop my hospital cover?

You can drop your hospital cover for a sum total of three years (1,094 permitted days) during your lifetime without any change to your LHC loading status. If you drop your hospital cover for longer than this, in most circumstances you’ll have to pay an LHC loading (or, if you were already paying the loading, it will be higher) once you take out hospital cover again. The following are additional permitted days without hospital cover that won’t count towards your 1,094 permitted days without hospital cover:

if you’ve been overseas continuously for more than one year (this includes visits back home of less than 90 days at a time)

if your health fund has agreed to a period of suspension.