Lifetime Health Cover

The aim of the Federal Government's Lifetime Health Cover (LHC) initiative is to encourage people to take out private health insurance hospital cover early in life.

If you join earlier in life and continue private hospital cover, you will be rewarded with lower contributions than those who join later in life. HCI is required by the Federal Government to set hospital contribution rates based on the age a person first takes out hospital cover.

Permitted days without hospital cover

You are able to drop your hospital cover for a cumulative period of 1094 days in your lifetime without affecting your certified age at entry. However, after the 1094 days aggregated absence, your certified age at entry will be increased by one year for each additional 365 days of absence.

Periods of suspension

You may suspend your hospital cover in accordance with HCI's Rules. Periods of suspension do not count towards the 1094 days period of absence that is allowed before your certified age at entry is affected. Call our friendly staff for a personal quote - Freecall 1800 804 950