The average percentage increase is an average across all policies, states and territories, but each product is priced individually depending on the increasing health care costs associated with that product in each state or territory. For that reason, some of our rates have gone up less than the average and some more – depending on the costs associated with the particular product or location. How will the premium increase affect me if I’ve paid my contributions in advance? If you pay your premiums prior to the 31 March, you'll enjoy rate protection for that time. That means that you will pay your premiums at the current rate (2021 rate) for the duration of that upfront payment, which can be 12 months’ worth of premiums, 6 months, 3 months, 1 month or one fortnight. If you do choose to make an upfront payment of 12 months, you will also receive an additional bonus discount of 4% (or 2% for six monthly payments). By paying an advanced rate protection amount you will also retain the rebate that is relevant to your situation prior to the April 1 changes.