How private health insurance works

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Government initiatives

It's important to understand how these initiatives could impact the cost of your health insurance (now and in the future) and your finances overall.

Medicare Levy Surcharge

Higher earners who are eligible for Medicare, but don’t have private Hospital cover, pay more tax. Check if that includes you.

Private Health Insurance Rebate

The government rebate is income-tested too. Find out how much you could get towards the cost of your health cover.

Lifetime Health Cover

This initiative encourages us to get Hospital cover when we're younger, and keep it!

Claiming for Hospital and Extras

Find out about Hospital claiming, and what hospital and specialist billing involves. And understand how to make Extras claiming a super smooth process.