Compare health insurance

Compare policies from some of Australia's leading health funds

I need cover for…

Call 131920 or Schedule a call

  • 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

Recent research suggests that 68% of Australians without private health insurance are unaware of LHC*!

If you are over 31 it’s important that you know what LHC is and how it may affect you.

What is LHC?
Lifetime Health Cover Loading (LHC) is a government incentive designed to encourage younger and healthier Australians to take out private cover earlier in life and keep it. If you do not have private hospital cover by the 1st of July after you turn 31, and you then decide to take out hospital cover later in life, you may incur a 2% loading for every year you didn’t’ have cover over the age of 30. This is added to the cost of your insurance and increases each year until it reaches a maximum of 70%!

I’m over 31. What does that mean for me?
It’s important that you understand how LHC works and the implications of not having hospital cover insurance by the 1st of July following your 31st birthday. If you are 31, you only have until June 30 to take out hospital cover and avoid paying a minimum 2% LHC loading. If you miss the deadline – even by just one day – you will have to pay LHC if you take out hospital cover later on. Read more FAQS on LHC here.

Because LHC compounds, the longer you wait to take out private cover, the more it will cost you and could in fact make it simply unaffordable later in life. For example, if you take out hospital cover for the first time at age 35, you’ll need to pay an additional 10% loading on top of your premium (and pay that for another ten years) whereas someone taking out cover for the first time at 65 will pay 70% more for their premiums!

We’re here to help!
LHC can be confusing so it’s well worth speaking to a private health insurance expert who can help explain how LHC works and help you find Private Health Insurance that suits your needs. Call 13 19 20 today.

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

Comparing some of Australia's biggest private health funds

View all partners

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 to view our range of funds. **Source:, March 2017. 

* 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.