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What is Lifetime Health Cover Loading (LHC)?
Lifetime Health Cover is an Australian government initiative designed to encourage people to get hospital cover early and keep it up. If you’re turning 31, LHC could impact you.
What does the Medicare Levy Surcharge (MLS) mean?
If you're single and start earning over $90K^, you could pay the Medicare Levy Surcharge at the time, if you don't have the appropriate level of health insurance.
What is the private health insurance rebate?
The Australian government may help to reduce the cost of your health insurance, depending on your age and how much you earn. It can be claimed in one of two ways.
How much extra tax could you be paying without health insurance?
Use our Medicare Levy Surcharge Calculator to discover how much extra tax you may be paying by not having the appropriate level of Hospital cover for a full tax year#.
Planning a family? Active in sports? Make sure your policy covers your lifestyle and needs. Use our ‘Procedures Cost Estimator’ tool to find out what most Australians your age and gender are going to hospital for. Go to ‘Procedures cost estimator’.
If you are injured or unwell and need to be admitted to hospital, your private health insurance pays benefits towards hospital accommodation, intensive care, and medical services you receive when you’re treated in hospital as a private inpatient. Read ore on why private health cover can be important.
You can choose to take up either one or to package them. Medibank offers flexible package options to help mix and match to your needs. View our cover options.
Things you should know
# This calculation is a guide only. For a more detailed quote of what you might pay we recommend speaking to a financial advisor who will be able to take into account your income and personal situation. Where annual income for Medicare Levy Surcharge purposes is over $90,000 as a single (or $180,000 as a couple/family).
Things you should know
~ Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.
^Waiting periods apply. Up to annual limits, Some lens coatings excluded.
# For Accidents that occur after your cover starts and for which treatment is sought within 7 days. Excludes claims covered by third parties such as WorkCover and our Private Room Promise. Out of pockets may apply.
+ Not available in all areas. Must have eligible hospital cover, all relevant waiting periods must have been served and treating doctor must consider it appropriate. Out of pocket expenses may apply.
* Some claims, like paper based, may take longer to update. If you have Visitors Health Insurance, Working Visa Health Insurance or Overseas Student Health cover, you may not be able to use all the features.
‡ OFFER EXTENDED TO 31 JULY: For new members on new memberships who join and start eligible combined hospital and extras from 1 April – 31 July 2020 and who have not held Medibank health cover in previous 60 days. Must quote promo code 6FREE and set up direct debit when joining. Must maintain direct debit and hold eligible product for 30 continuous days from the policy start date to get next 6 weeks free. 2&6 month waits waived on extras: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you’ve reached your limits from a previous fund you may not be able to claim straight away. Excludes Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer.
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