Lifetime health cover loading
the Federal Government introduced
If you joined a hospital cover before this date
you are assigned a CAE of 30 and you’ll pay
Your age on the 1st of
the lifetime Health Cover (lHC)
July before taking out
lifetime Health Cover
Your age on the 1st of
lth Cover
initiative on the 1st of July 2000. From
the base rate (the lowest premium) for your
hospital cover
loading %
July before taking out
lifetime Hea
hospital cover
loading %
hospital cover (the premiums listed in this
this date, anyone who joins a hospital
member guide are quoted at base rates). If
30 0% 48 36%
cover of a registered health fund will
you joined after this date and therefore have
31 2% 49 38%
be given a Certified age at entry (Cae) a CAE of over 30, you’ll pay a 2% loading for
status - which represents their age
each year your CAE is above 30 to a
32 4% 50 40%
when they first joined a hospital cover
maximum loading of 70% at age 65. Where
33 6% 51 42%
you have had to pay a LHC loading, and have
after the 1st of July 2000.
done so for a continuous period of 10 years,
34 8% 52 44%
the loading will no longer apply on the day
35 10% 53 46%
after the last day of the 10 year period. People
born on or prior to the 1st of July 1934 are
36 12% 54 48%
exempt from the CAE requirement. 37 14% 55 50%
If you’re over the age of 30, the sooner you 38 16% 56 52%
take out hospital cover, the less you’ll pay
39 18% 57 54%
later. The Federal Government’s lifetime
health cover (LHC) loading applies if you 40 20% 58 56%
were aged 31 or over on the 1st of July just
41 22% 59 58%
passed and are taking out hospital cover for
the first time. Under LHC, in addition to the
42 24% 60 60%
rates with this member guide, a 2% loading is
43 26% 61 62%
applied for each year you are aged over 30
when you join. The Federal Government
44 28% 62 64%
rebates apply to your total premiums,
45 30% 63 66%
including any LHC loading. Lifetime health
cover applies to hospital cover and does not
46 32% 64 68%
apply to extras.
47 34% 65 and over Capped at 70%
to use the lHC ready reckoner on the
opposite page, follow these steps.
in this member guide. If you need help, additional full year of absence. Members will
please call our customer service centre on need to re-serve waiting periods when they
Step 1. Determine your age as at the 1st of
1300 4 GMHBA (46422) or visit a branch return to the fund. For more information
July just passed.
Step 2. Find that age on the table to find your
Periods of absence
regarding lifetime health cover, call our

customer service centre on 1300 4 GMHBA
lifetime health cover loading.
As members may need to discontinue their
(46422) or visit a branch.
hospital cover membership for brief periods,
Step 3. Add this percentage increase to the
lifetime health cover allows a period or Membership suspension
hospital rates quoted in this member guide.
periods of absence through a member’s
Approved periods of suspension, which will
If your hospital cover has two adults aged
lifetime without affecting their CAE.
not affect a member’s CAE are explained on
over 30, just add 1% for each year you are
However, after a total of two years absence,
page 62.
both over 30 to the base hospital rates quoted
their CAE will increase by one year for each
36 37
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