New HBF digital member card
Who needs another card in their wallet? Download the digital member card and use your phone to tap and claim at a HICAPS terminal for your covered extras services.*
What's the deal with health insurance, tax and 30 June?
Use our cover recommendation tool
Medicare levy surcharge (MLS)
The MLS is a tax applied to people who earn above a certain income and don't have an appropriate level of hospital insurance.
You can avoid this tax for every day that you hold an appropriate level of hospital cover.
Lifetime health cover (LHC)
LHC makes hospital cover more expensive if you're 31 or over and getting hospital insurance for the first time. Learn more
Are you under 31? Avoid paying LHC by taking out hospital cover now.
Australian government rebate
The Australian government rebate on private health insurance is a government subsidy that helps make your insurance cheaper. Learn more
The prices on our website already estimate this rebate, so you can get a clearer picture of the actual cost.*
The Medicare Levy Surcharge (MLS) is a tax applied to high income earners who don’t have an appropriate level of hospital insurance. The tax is designed to reduce the strain on the public system by encouraging people to get private health insurance and get treatment privately. There are more details involved, but you can estimate how much you might get charged straight away.
Age of the oldest adult on the policy
“It's nice to know I can get hospital cover for less than
it costs to pay the surcharge.”
You already have hospital cover, so you don’t have to pay
“ Last year I got a pay rise and it was a bit of a shock to
find out I'd have to pay nearly
$1,000 extra tax. It's nice to know I can get
hospital cover for less than it costs to pay the surcharge.
You could save
by taking out
Young Singles Saver Hospital
This is a guide only. You should speak to a financial advisor or registered tax agent who will be able to take into account your income and personal situation, including any changes that occur during a tax year.
Basic Hospital Plus
Low cost hospital cover for a few basic services, plus accident cover from the day after you join.
8 services included
Our most affordable hospital cover
Basic Hospital Plus Elevate
Affordable hospital cover for a selection of commonly used treatments, including Bone, joint and muscle.
18 services included
Peace of mind at an affordable price
Tell us a little about yourself and in 2 - 3 minutes we’ll find our best cover to suit your needs.
The MLS is a tax applied to people who earn above a certain income and don’t have an appropriate level of hospital insurance. The tax is designed to reduce the strain on the public system by encouraging people to go to private hospitals instead.
LHC loading is an extra cost applied to the price you pay for hospital insurance for every year you do not have hospital insurance. It only affects people 31 or older who don’t have hospital insurance and decide to buy it later in life. It’s designed to encourage people to buy hospital insurance earlier in life and stay covered.
To avoid LHC loading, all you need to do is buy hospital insurance on or before 1 July following your 31st birthday.
The Australian government rebate is a government initiative that helps make health insurance more affordable for those who are eligible to receive it. It’s a sum of money you can get back at tax time or apply to your premium to make it cheaper. The rebate applies to hospital, extras and urgent ambulance insurance.
We'll help you find our best cover that suits your needs.
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