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Have you had continuous hospital cover since your 31st birthday?

If you haven’t, you may need to pay Lifetime Health Cover loading

Has your partner had continuous hospital cover since their 31st birthday?

If they haven’t, you may need to pay Lifetime Health Cover loading

You may need to pay extra

The Australian Government may require you to pay LHC loading.

This means your premium will be increased by 2% for every year you weren’t covered after turning 31.


Your age


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Partners age


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Combined Loading

This raises your total premium to $65 per week

This calculation is an estimate only that will be confirmed on sign up.


What is LHC loading?

Lifetime Health Cover (LHC) is a federal government initiative designed to encourage people to take out hospital insurance earlier in life and to maintain their cover.

Is it just GMHBA?

All health insurers apply LHC loading to your premium. It’s a government requirement.

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This information is important.
Please read and retain for future reference.

Full information about your chosen cover's applicable waiting periods, excess, copayments, benefit limitation periods, exclusions, restrictions, limits, pre-existing conditions and services covered is available within the member guide.

Rates are effective 1 April 2016. | All contribution quotes by this calculator are subject to variation and should therefore be considered indicative contribution rates. | Weekly and fortnightly payment frequencies are only available for Direct Debits from a bank/credit union account. | All calculations include the 2% Direct Debit Discount on contributions. | Hospital Cover contributions are BASE RATE contributions and do not include any applicable Lifetime Health Cover loading.

^For new members who join on direct debit, must pay first month to get 6 weeks free.  Offer ends 31 July 2016

Join GMHBA today and get 6 weeks free on combined covers ^.

Your quote

$ 0


Based on a single, aged 25

Earning under $180,000

Living in