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- Find the right health insurance to suit your needs
- Same price as buying directly from a health fund
- Easily compare policy benefits side by side
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!
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 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!)
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)**.
Provide us with a few details and the type of private health insurance you're after.
We'll go through your options, comparing the benefits available to you.
Feel good in your choice, finalise and buy your cover with iSelect.
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