FREQUENTLY ASKED QUESTION

What is Lifetime Health Cover loading (LHC) and does it apply to me?

In short, Lifetime Health Cover loading (LHC) doesn’t apply to Overseas Visitor Health Cover policies.

LHC generally applies to Australian residents who choose to take out hospital cover later in life. Australian residents who choose to take out hospital cover before they turn 31 don’t have to pay LHC.

If you decide to move to Australia and you’re over the age of 31, LHC may apply if you don’t take out an appropriate level of Australian resident health cover within 12 months of being granted Australian resident Medicare entitlements.

Learn more about Australian resident health cover