The Answer
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Get hospital cover before 1 July after your 31st birthday or pay 2% loading every year you wait. Here's what to do in Au
The Deadline
If you don't have private hospital cover by 1 July following your 31st birthday, you pay a 2% loading on your premiums for every year you're uninsured past age 30. This loading applies for 10 years once you do get cover.
At age 40 without cover, that's an 18% loading — on a $1,500/year policy, that's $270/year extra for the next decade ($2,700 total).
What to Do
- Get basic hospital cover before 1 July after your 31st birthday
- The cheapest option: Basic/Bronze hospital policy with $750 excess
- This also avoids the Medicare Levy Surcharge if you earn over $93,000
- You don't need extras cover (dental, optical) for the loading — only hospital
Ambulance Cover in ACT
While you're reviewing health cover, check your ambulance situation: ACT Ambulance levy included in rates, but some transfers may be charged.
Frequently Asked Questions
What exactly is the LHC deadline?
1 July following your 31st birthday. If you turn 31 in March, your deadline is 1 July the same year.
What's the cheapest way to avoid the loading?
Basic hospital cover with a $750 excess. Often $80–$120/month. Some policies are specifically designed as 'loading avoider' products.
What Changed
Apr 2026
Verified for Australian Capital Territory