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New rates effective 01 April 2008

Calculation of contribution - Lifetime health cover

Health Care Insurance is required by the Federal Government to set hospital contribution rates based on the age a person first takes out hospital cover.

Each adult is assigned a Certified Age at Entry for contribution rate setting purposes. People who do not have hospital cover on the 1st July following their 31st birthday must pay a 2% loading on top of the “base rate” contribution for the hospital cover they wish to purchase. The “base rate” is the lowest contribution rate for the hospital cover chosen.

For example, John turns 31 on 1st April 2008. If he purchases hospital cover by 1st July 2008, he will pay the base contribution rate. If he purchases hospital cover on 2nd July 2008, he will pay a 2% loading. If he further delays purchasing hospital cover, he will pay an extra 2% for each year he delays. The maximum loading is 70%. The loading applies only to hospital cover and not to extras.

Example:
Your certified age is 38 and your partner’s certified age is 33 and neither of you have ever held hospital cover. Your lifetime loading is 16% and your partners’ is 6%. If you chose the Couples Premier Package with a $500 excess, your contribution rate calculation per fortnight is:

Call our friendly staff on Freecall 1800 804 950 for an individual premium calculation.