How does Lifetime Health Cover work?

LHC is an Australian Government initiative designed to encourage people to take out health insurance earlier in life.

LHC requires health funds to charge a loading when an individual takes out hospital cover. This loading is based on the age of the member and does not apply to Extras or Ambulance ancillary covers.

Who pays loading?

The loading applies to those who don’t have private hospital cover on 1st July in the year following their 31st birthday.  A 2%  loading applies for every financial year they go without private health insurance following their 31st birthday.

For example:

Rachel is 34 years old and is taking out Hospital cover for the first time this year.  Her loading will be 8%  (2% for each year over 30 years)

Loading is capped at 70%.

How long does loading apply for?

Any loading that applies to your premium will be removed after you’ve held hospital cover continuously for ten years.

Days without hospital cover

To cover small gaps, such as switching from one fund to another, you are able to be without hospital cover for periods totalling 1094 days (i.e. three years less one day) during your lifetime, without affecting your loading.

If you have a total gap period of 1095 days - you will pay a 2% loading on re-joining private hospital cover. The loading will increase by 2% for every year after that without cover.

You can only access your Days of Absence if you have held hospital cover at some point on or after your Lifetime Health cover base day. For most people, your base day is the later of 1  July 2000 or the 1 July after your 31st birthday.

Need more details?

Join CBHS and protect your family

Protect your family by joining a trusted non-for-profit insurance fund. To find out more about the Lifetime Health Cover or if you have any other health insurance concerns, contact CBHS directly today or visit this webpage. You can speak to one of our friendly staff members on 1300 654 123 or by emailing our team at

What Our Members Think

I joined as a CBHS member in 1978. Through many health events and challenges CBHS has always been there for me and my family. Their exceptional service over this time has always been appreciated.

- Jenny J

What Our Members Think

I've not long joined CBHS from another fund, but so far I've been impressed by the super helpful and friendly staff, the higher claim limits and rebates at a very competitive premium, and how easy it is to lodge manual claims through the app. Thanks CBHS - you've won me over! 😃

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What I love about CBHS is their customer service - friendly staff and always ready to help and email you the information you ask about. Keep up the great work!!!

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I love CBHS as its so so easy to lodge a claim and whenever i need a question answered friendly consultant is one phone call away. The phone back option instead of waiting is brilliant!

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I have been with CBHS since I began at CBA 15 years ago...Now I have three beautiful children, one who has a disability. Our top extras cover has been really essential for his early intervention. I do love the ease of claiming online.

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I am relatively new to CBHS and am loving it already. I worked for a CBA subsidiary a long time ago but was still eligible to join. So much better that the for-profit funds - our premium is only a little more and we pay a lower co-contribution and get great benefits. I am loving the massage rebate for my partner and gym rebate for me!

- David G

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I'm extremely happy with CBHS! I have been a customer for about six years. I think the price is reasonable. And i would refer you to my family and friends any day. Thank you CBHS!!!

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Love CBHS as I never have to doubt that they've got my back when I need it. Been through other insurers who have limited options or limits, yet cost the same or more.

- Mark F