Private health insurance loadings, taxes and rebates

The Australian Government wants more people to take out private hospital cover to help reduce pressure on public hospitals. That's why they’ve introduced a number of different measures over the years—including rebates, loadings and surcharges—all aimed at encouraging more people to go private for hospital treatment.

Here’s an overview that helps to explain how these measures work and which ones might help you save money if you have private hospital cover.

Lifetime Health Cover (LHC) loading

If you’re 31 or over, you might have to pay an extra 2% on your hospital cover premiums for each year you’ve gone without private hospital cover (after turning 31).

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Medicare Levy Surcharge (MLS)

If you’re single earning over $90K or a couple or family earning over $180K without private hospital cover, you might have to pay up to 1.5% as part of the Medicare Levy Surcharge.

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Private Health Insurance Rebate

Depending on your income, you might qualify for the Australian Government Rebate on Private Health Insurance to help reduce the cost of your cover.

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Private Health Insurance Tax Statement

Here’s an explanation of what’s on your Private Health Insurance Tax Statement.

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We’re health insurers, not tax experts

That means we’re not qualified to provide you with tax advice. The information provided here is a summary only, and is intended as a guide to help you be aware of some of the factors that can affect the overall cost of your health insurance. For any tax advice or more detailed information, please contact your registered tax agent or the Australian Taxation Office at or visit the Australian Government’s website at