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ING Health Insurance

Lifetime Health Cover loading

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What is Lifetime Health Cover Loading and how does it affect you?

Lifetime Health Cover (LHC) is a government initiative that encourages people to get private Health Insurance earlier in life - from age 31 to be exact.

If you're an Australian resident, you have until 1 July following your 31st birthday to take out Hospital cover, otherwise a 2% LHC loading for every year you haven't held Hospital cover may be added to your premium once you take it out.

Why Getting Covered Before 31 Can Save You Money
More about LHC

More about LHC

If your situation changes so can the LHC

In case your circumstances change, the LHC lets you discontinue Hospital cover for a cumulative total of 1,094 days in your lifetime. After 1,094 days absence from Hospital cover, a 2% loading will be added to your premiums for every 365 days you don't have it.

If you temporarily suspend your cover, the period will not be deducted from the 1,094 days.

We'll get LHC deets when you join

If you're transferring from another health fund to ING Health Insurance your LHC details will be provided to us by your previous fund and applied to your new cover.

The LHC loading does not apply to the Health Insurance of those born before 1 July 1934.

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