Lifetime Health Cover (LHC)

Factsheets

Page last updated: 23 May 2014

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.
If you fall into this category the information and examples in this Factsheet for Migrants relate to you:

Factsheet for Migrants

Further information on private health insurance and LHC is available on the Government private health insurance website.