About You

I need cover for*

Enter postcode or suburb*

About your health insurance

What's your health cover status?*

Reviewing my existing cover

Currently not covered

What is your primary health cover consideration?*

I'm looking for better health cover

I have a specific health concern

I'm looking for cheaper cover

I just want to compare options

I'm planning on having a baby

What is your primary health cover consideration?*

I have a specific health concern

I’m coming off my parents policy

I'm planning on having a baby

I just want to compare options

I'm looking for minimal cover to reduce taxes

I have a visa and I'm moving to Australia

Who is your current health fund?

Providing your date of birth allows us to calculate your Government rebate percentage and if applicable any Lifetime Health Cover (LHC) loading.

What is your date of birth?*

Please enter a valid date.

Lifetime Health Cover (LHC) loading is a 2% government charge on your hospital cover for every year you are aged over 30 if you do not have private hospital cover on the 1st of July following your 31st birthday. The maximum loading is 70%. For example, if you join at 45 you pay 30% more for your health insurance than someone who joined at age 30. The sooner you get cover the less you'll have to pay.

Have you had continuous hospital cover for the last 10 years?*

Yes No

A Lifetime Health Cover (LHC) loading will be presented with your hospital cover quote and may be charged by your chosen fund depending on your age, previous cover and circumstances. You’ll have to pay 2% loading on top of your premium for every year you were without cover. Learn more.

Providing your partners date of birth allows us to calculate their Government rebate percentage and if applicable Lifetime Health Cover (LHC) loading.

What is your partner's date of birth?*

Please enter a valid date.

A Lifetime Health Cover (LHC) loading will be presented with your quote and may be charged by your chosen fund depending on your age, previous cover and circumstances. You’ll have to pay 2% loading on top of your premium for every year you were without cover. Learn more.

Has your partner had continuous hospital cover for the last 10 years?*

Yes No

Your Government Rebate

The Australian Government Rebate can reduce the upfront cost of your cover. The rebate you select will be automatically applied to the quoted amount. FAQs about the private health insurance rebates

Expected annual income tier.*

$90,000 and under

Full rebate applies

$90,001 to $105,000

Tier 1 applied.

$105,001 to $140,000

Tier 2 applied.

$140,001 and over

No rebate applied

Do not apply any rebate

Expected annual income tier.*

$90,000 and under

We will display a 25.059% rebate.

$90,001 to $105,000

We will display a 16.706% rebate.

$105,001 to $140,000

We will display a 8.352% rebate.

$140,001 and over

We will not display any rebate.

Do not apply any rebate

Expected annual income tier.*

$90,000 and under

We will display a 29.236% rebate.

$90,001 to $105,000

We will display a 20.883% rebate.

$105,001 to $140,000

We will display a 12.529% rebate.

$140,001 and over

We will not display any rebate.

Do not apply any rebate

Expected annual income tier.*

$90,000 and under

We will display a 33.413% rebate.

$90,001 to $105,000

We will display a 25.059% rebate.

$105,001 to $140,000

We will display for a 16.706% rebate.

$140,001 and over

We will not display any rebate.

Do not apply any rebate

The income you’ve selected means you’re not likely to be impacted by the Medicare Levy Surcharge (MLS) and may not require private health insurance to reduce your tax. However you may still need to take out private health insurance to avoid a future Lifetime Health Cover loading. Call 13 19 20 to speak to one of our consultants for advice on your individual situation. Learn more.

For families with children the Australian Government Rebate income tiers are increased by $1,500 for each dependent child after the first. For more information on the definition of dependent child, please refer to our FAQs about the private health insurance rebates.

How many children would you like covered by this policy?*

How old is the eldest child you want covered on this policy?

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