Lifetime Health Cover calculators

This website has two calculators to help you determine the lifetime health cover (LHC) loading payable on your hospital cover. 

Lifetime Health Cover Calculator

This calculator is for people who want to know their Lifetime Health Cover (LHC) base day and their loading if they took out hospital cover today or confirm their current Lifetime Health Cover loading.

It is based on the provisions of the Private Health Insurance Act 2007 which commenced on 1 April 2007. If you had hospital cover on 31 March 2007 and that cover is continuing, your LHC loading, if any, is based on the previous legislation. Your health insurer can provide you with details of that pre-2007 loading.

Take me to the Lifetime Health Cover calculator

Ten Years Continuous Cover Calculator

This calculator is for people who are currently paying for hospital cover with a Lifetime Health Cover (LHC) loading. It will help you determine if you have paid a loading on your hospital cover for at least ten years.

It is based on the provisions of the Private Health Insurance Act 2007. Under that legislation, any loading you are required to pay ceases after ten continuous years, or where more than ten years have elapsed, after ten years only interrupted by certain periods overseas, or other permitted breaks.

Take me to the Ten Years Continuous Cover calculator