FREQUENTLY ASKED QUESTION

What is the Lifetime Health Cover Loading?

Lifetime Health Cover (LHC) loading is an extra cost on hospital insurance if you take cover after age 31. For each year without hospital cover after your 31st birthday, a 2% loading applies when you later join, capped at 70% (for example, 10% at age 36). The loading is removed after 10 continuous years of cover. To avoid LHC, take out hospital cover by 1 July after your 31st birthday.