How does LHC work?
If you take out Hospital Cover after you turn 31, all health insurers must apply the Government’s Lifetime Health Cover loading to the hospital component of your standard health insurance premium – starting at 2% of the cost and then increasing by 2% for each year that passes (all the way up to 70% - ouch!).

What does that mean, money-wise?
It means it becomes exponentially more expensive for each year you delay getting cover. For example, if you take out Hospital Cover when you’re 31, you’ll pay 2% more than someone your age who arranged cover when they were 30. Or 4% more, if you put it off until you’re 32. Or 6% more, if you leave it until you’re 33. And on and on until you reach 70%. It all adds up pretty quickly. To calculate your LHC try our handy LHC calculator

How can I avoid paying more?
It's easy - simply add Hospital Cover to your existing Extras policy by calling 1300 13 40 60 or email We'll do all the paperwork for you, plus when you add one of our multi-award winning Hospital Cover options before June 30 and mention offer code LHC2020, we'll send you a bonus $100 cash card too! 

Offer terms and conditions apply:

  • This offer is only available to existing HIF Members who purchase Hospital cover by 30 June 2020. 

  • This offer is only valid until 30 June 2020 and is only payable once the first payment for the upgraded cover has been received. 

  • To qualify for the promo-code offer, the Member must purchase Hospital cover directly by phoning HIF on 1300 13 40 60 or emailing and mentioning the promo-code “LHC2020” at the time of upgrading. 

  • This offer is only available to Members who have turned, or will turn, 31 since 1 July 2019 and will have LHC applied from 1 July 2020 if they don’t take out Hospital Cover by June 30. 

  • The $100 eftpos card will be mailed out to the Member's nominated postal address.

  • This promo code offer is only available to existing HIF Members who have turned, or will turn, 31 between 1 July 2019 and 30 June 2020 and cannot be used in conjunction with any other offer form HIF. 

  • Promo-code offers are not available to HIF staff, directors, or their immediate families. 

  • Promo-code offers are not payable for overseas policies. 

  • HIF reserves the right to change the offer without prior notice or advice.

  • If you have any questions about our latest offers or would like to find out more about HIF, please email