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It's June 30! Compare and buy now

Take out hospital cover by June 30 to avoid LHC Loading: If you don't take out hospital cover before 1st July following your 31st birthday and then decide to take out hospital cover later in life, you will pay a 2% loading on top of your premium for every year you did not have hospital cover.

 
 

A third (36%) of Australians with private health insurance aren’t aware of LHC* Loading

Lifetime Health Cover (LHC) loading – the mystery private health insurance cost paid by over a million Australians

Lifetime Health Cover (LHC) Loading is the mystery private health insurance cost paid by over a million Australians! 

Are you affected by LHC?

If you don't take out hospital cover before 1 July following your 31st birthday and then decide to take out hospital cover later in life, you will pay a 2% loading on top of your premium for every year you did not have hospital cover. The loading can go as high as 70%!

Whether you’re aware of LHC loading or not, it makes sense to shop around and see if you can find a suitable policy that could have you saving on your policy’s base rate premium… and help reduce the potential impact of LHC. You can read more about LHC on our FAQs page here.

We’re here to help!

We can help you compare from our range of funds^ to find a policy that suits your needs and perhaps even have you paying less than your current policy.  You can compare health insurance policies online or you can call 13 19 20 to talk to one of our health insurance specialists (you can also schedule a call here if you are super busy!)

And remember…

If you already have hospital cover with another fund then you won't need to re-serve hospital waiting periods already served on your current policy when you switch to a new policy (so long as your new policy has equivalent or a lower level of benefits)**.

While you are at it, ask us about our offers:



Get the right health insurance with iSelect

  • Get the right health insurance with iSelect

    Step 1. Get acquainted

    Provide us with a few details and the type of private health insurance you're after.

  • Get the right health insurance with iSelect

    Step 2. Get fitted

    We'll go through your options, comparing the benefits available to you.

  • Get the right health insurance with iSelect

    Step 3. Get covered

    Feel good in your choice, finalise and buy your cover with iSelect.

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Comparing some of Australia's biggest private health funds

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*Lifetime Health Cover Research Ipsos May 17. ^Visit iSelect.com.au to view our range of funds. We do not compare all funds in the market, and not all funds are available at all times. **Continuity of cover for extras is at the discretion of your new health fund. See Privatehealth.gov.au for details. Source: apra.gov.au, March 2017. 

We do not compare all funds in the market, and not all funds are available at all times. *Lifetime Health Cover Research Ipsos May 17. ^Visit iSelect.com.au to view our range of funds. **Source: apra.gov.au, March 2017. 

*health.com.au Join any combined Hospital and Extras policy on or before June 30 and all 2 month extras waiting periods will be waived and we will give you your 3rd month free. Applies to new memberships only.

*HBF Join HBF today and you can claim straight away on all extras services with a 2 month waiting period. Offer only valid to new HBF members.

*HCF Join a combined Hospital and Extras policy before June 30, we will waiver the 2 & 6 month waiting periods for extras and give you your 3rd month free. Applies to new memberships only.

*Ahm Join ahm on an eligible combined Hospital and Extras policy before June 30 and the 2 & 6 month waiting period for extras will be waived. Eligible Products are black+white Starter, black+white Lite, black+white Boost, black+white Classic, black+white Deluxe, and black 50 and black 60 when combined with any ahm hospital cover. Applies to new members on new memberships only.

*AU 7.5% discount Discount includes all retail discounts and is available only when paying by direct debit. Not to be used in conjunction with any other offer or discounts. Available to new members who have not previously held Private Health Insurance. Discount applies to extras only, hospital only and hospital and extras combined products. Discount is applicable for the duration the member holds a continuous membership with Australian Unity regardless of the level of cover they maintain (member can switch products and still be eligible for the discount). Available for members who join by 30th June. Excludes Overseas Visitor Cover.