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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#.
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.
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.
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).
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