To avoid paying a LHC loading on private health insurance hospital cover you must hold hospital cover on your LHC base day.
The LHC base day for Australian citizens born after 1 July 1969 is 1 July following their 31st birthday.
If you fall into this category the information and examples in the Factsheet for 31 year olds relate to you:
Factsheet for 31 year olds
The LHC base day for new residents and migrants to Australia is the later of:
- the 1 July after their 31st birthday, and
- the first anniversary of when they are registered for full Medicare benefits.
Factsheet for Migrants
Further information on private health insurance and LHC is available on the Government private health insurance website.