18-25 year olds get 10% off** Canstar award winning hospital cover
Benefits of private health insurance for under 30s
If you're coming up to your 31st birthday and don't have hospital cover, it's worth learning about the Lifetime Health Cover (LHC) loading and how it could affect your premium. Once applied, it can only be removed after 10 years of continuous hospital cover.
If your income is likely to increase (or is already) beyond 101k for singles or 202k for couples/families, you could be liable for the Medicare Levy Surcharge (MLS) at tax time. You may be able to avoid paying MLS by having private health insurance hospital cover.
There's lots of benefits to the age based discount. If you're eligible, it will apply to your premium until you turn 41!
It only apply to your hospital cover premiums, even if you take out combined cover.
Pair SmartCare Extras with Hospital cover
Take out combined cover to unlock the benefits of SmartCare Boost Extras.
Access any remaining limits (excluding opitcal) for an extra 12 months with annual limit rollover. Once you're eligible*, your annual limit will start to rollover at the next effective annual limits reset date. Annual limits reset or roll over on 1 January each year.
*Available after 12 months of continuous cover on SmartCare Boost Extras cover at the same level (Starter, Everyday or Complete). Unused eligible annual limits roll over on 1 January and expire after 12 months. The new calendar year’s annual limit must be reached first before you can access the remaining annual limit rolled over from the previous calendar year.
Get 60% back# with a counsellor, psychologist, mental health social worker or mental health nurse right up to your annual or sub-limit.
#Available on combined SmartCare Extras and open for sale hospital cover. Available with or without sub-limits. Annual limits and waiting periods apply. Included services vary per level of extras cover. Cannot claim Medicare and private health benefits for the same mental health consultation.
^Pricing based on Single, aged 30 living in VIC earning $101,000 or less (Base Tier Australian Government Rebate) and excludes . Prices and displayed products can change if details vary.
Select a product and enter your age to see the discount you could be eligible for
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Accident Only Hospital (Basic)
FROM$ 19 .35
Hospital Excess $750Minimum basic hospital cover with Accident Protection-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Emergency ambulance cover
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Basic Plus Starter Hospital
FROM$ 19 .75
Hospital Excess $750Basic plus hospital cover with some key inclusions, as well as Accident Protection-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Dental surgery
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Joint reconstructions
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Bronze Plus Advantage Hospital
FROM$ 26 .15
Hospital Excess $750Our most comprehensive bronze plus cover, balancing reassurance and value-
Upgraded cover in the event of an accident
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Excess waiver for same day stays
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Plastic & reconstructive surgery (medically necessary)
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Back, neck & spine
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Discount percentage that health insurers can offer
If you're 18-29, you'll receive the discount below on your hospital cover premium based on your age.
| Your age at the time of joining hospital cover | Policy discount you could be eligible for |
|---|---|
| 18-25 years old | 10% |
| 26 years old | 8% |
| 27 years old | 6% |
| 28 years old | 4% |
| 29 years old | 2% |
| 30 + | 0% |
New to health insurance?
Looking at health insurance for the first time can be an overwhelming task. That’s why we’ve put together a handy three-step guide to help you get started, so you can be protected for the moments that matter.