|Base tier||Tier 1||Tier 2||Tier 3|
|Singles||Up to $90,000||$90,001 - $105,000||$105,001 - $140,000||$140,001 and above|
|Families||Up to $180,000||$180,001 - $210,000||$210,000 - $280,000||$280,001 and above|
|Rebate entitlement - based on age and income as of 1 April 2018*|
|Less than 65 years||25.415%||16.943%||8.471%||0%|
|65 - 69 years
Get cover sooner to avoid extra costs
Once you turn 30, a 2% loading is added to your hospital cover premiums for every year you’re without cover. This charge is called Lifetime Health Cover (LHC) loading. The good news is you have until July 1 following your 31st birthday to sign up, and keep up your hospital cover, and avoid an LHC loading.
Avoid government charges
Having hospital cover could save you money. If you don’t have private hospital cover and you earn more than $90,000 (or $180,000 for families), the Australian Tax Office may add an extra charge to your tax bill. It’s called the Medicare Levy Surcharge and it could be up to 1.5% of your income. This may end up being more than the cost of getting hospital cover.