Peace of mind with HBF Hospital cover
If your child needs to go to Hospital you won’t need to pay an excess*. Because looking after your world shouldn’t cost the world.
Cover to suit your needs
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Find out how health insurance could affect you at tax time
To help relieve the strain on the public hospital system, the Australian Government created three financial incentives: a rebate, a tax, and a loading. These initiatives encourage people to buy hospital insurance and go to private hospitals for treatment. Think of them as a ‘carrot and two sticks.’
The rebate is a carrot. It’s a partial refund given to people who take out health insurance. It’s designed to help make health insurance more affordable.
RELATED: Australian Government Rebate explained
The MLS is a stick. If you’re a high-income earner and you don’t have hospital insurance, this is a tax you might pay when you lodge your tax return. It’s designed to encourage people to buy hospital insurance and go private instead of public.
RELATED: Medicare Levy Surcharge explained
The LHC loading is the second stick. It’s an extra cost applied to a hospital premium, making it more expensive. It only applies to people 31 or older who buy hospital insurance after the loading deadline. It’s designed to encourage people to buy hospital insurance earlier in life and maintain that cover.
RELATED: Lifetime Health Cover Loading explained
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