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Frequently Asked Questions

What is Lifetime Health Cover loading?

This loading may be applied to your hospital premium if you take out hospital cover later in life. It’s aimed at encouraging people to take out hospital cover earlier in life and maintain it.

By taking out either Essentials Silver Plus Hospital or Gold Top Hospital through Rio Tinto Better Health Cover by July 1 following your 31st birthday, you may avoid paying this loading.

Learn more about the Lifetime Health Cover Loading