Phone Need advice? Call us on 1300 13 40 60

Don’t have private hospital cover?

You may have to pay extra tax next year due to the Federal Government’s Medicare Levy Surcharge (MLS). Alternatively, you can take out HIF Hospital Cover before June 30 to remove the extra tax entirely.

Use our interactive MLS calculator to estimate your 2016/17 tax implications and confirm how much you could save with HIF.

Time remaining until June 30


Medicare Levy Surcharge Calculator

Change the details below to reflect your current situation.

Your estimated surcharge

Special offer for new members

Join before 30 June 2016 and we'll reward you with a bonus $50 gift. Simply quote promo-code TAX50 at the time of joining.

Conditions apply


The choice is yours.

Still confused about the Medicare Levy Surcharge?

Don't worry, you're not alone. The Medicare Levy Surcharge (MLS) is a Federal Government initiative, designed to encourage individuals to take out private hospital cover and, where possible, use the private hospital system to reduce the demand on the public system. The MLS is levied on Australian taxpayers who do not have private hospital cover and who earn above a certain income. The income thresholds increase incrementally, as does the MLS itself, depending on your annual household ATI -  Adjusted Taxable Income.

The income thresholds increase incrementally, as does the MLS itself, depending on your annual household ATI -  Adjusted Taxable Income.
The current 2015/16 Adjusted Taxable Income thresholds are outlined in the table below (slide left and right):

$90,000 or less
$180,000 or less
$90,001 - 105,000
$180,001 - 210,000
$105,001 - 140,000
$210,001 - 280,000
$140,001 or more
$280,001 or more
APPLICABLE MLS 0% 1.0% 1.25% 1.5%  

Please note: The thresholds increase annually based on growth in Average Weekly Ordinary Time Earnings. Single parents & couples (including de facto couples) are subject to family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first.

What about Lifetime Health Cover loading?

The Federal Government introduced the Lifetime Health Cover (LHC) loading to encourage Australians to take out private hospital cover at a younger age. Basically, it recognises the length of time you’ve had private health insurance and rewards that loyalty by offering lower premiums – so the earlier you take out health cover, the cheaper your premiums. For every year over the age of 30 that you don’t have private hospital cover, a 2% loading is applied to the cost of your insurance (and increases each year until it reaches 70%).

For example, a single 37 year old would pay 14% LHC loading - so it really pays to take out private hospital cover now. For couples and families however, your loading is initially calculated based on your respective dates of birth and then halved. For example, a couple aged 33 and 36 years would generated a combined loading of 18% initially (6% + 12%), so the final loading that is applied to their joint policy is 9%. Visit our LHC page to learn more.

We'll help find a cover that suits you.

Our handy interactive Product Selector will find the policy that best suitsyour needs and budget, then you can join on the spot.

Get a quote

Need help? Request a Callback

If you'd like to speak to one of our consultants in person about cover options, simply email or phone us on 1300 13 40 60 and we'll be happy to assist. Alternatively, complete the quick form below and we'll call you at a time that suits. After all, what's important to you is important to us, and we want to ensure you're 100% happy with your decision.

Terms and conditions of this promotion: To qualify for HIF's bonus $50 offer, the applicant must purchase a private Hospital Insurance policy directly from HIF and mention the promo code "TAX50" at the time of joining. This offer expires at midnight on 30 June 2016. The $50 bonus will be paid to the member in the form of a branded HIF eftpos card, which will be posted out to the new member approximately six weeks after the applicant's nominated policy start date. This offer is available to new HIF members only (ex members re-joining HIF within five years of their previous cover will not be eligible). This promotion cannot be used in conjunction with any other offer from HIF. This promotion is not available to HIF staff, directors, or their immediate families. If you have any questions about this promotion, or would like to find out more about HIF, please email