- Coronavirus FAQ's
- How we're supporting you during coronavirus
- The value of private health insurance in a pandemic
- Adding or removing people from your account
- Authorising another person on your cover
- Cover review
- How do I check my limits?
- Pre-existing conditions
- Suspending your cover
- Updating your details
- What am I covered for?
- Waiting periods explained
- Private health insurance reforms
- Gap in cover
- Ambulance explained
- Ante/Post Natal Services
- Dental Explained
- Extras limits explained
- Health Appliances
- Health Screening
- HICAPS & HealthPoint explained
- How does extras cover work?
- Natural Therapies
- Non PBS prescriptions
- Optical explained
- Set Benefits FAQ
- Telehealth Benefits
- Travel vaccines
- What is health maintenance?
- Emergency Department Fees
- Going to Hospital
- Hospital Added Costs
- Insulin Pumps
- IVF & assisted reproductive services
- LHC exemptions
- Public vs. Private
- Restrictions & Exclusions
- Understanding out of pockets
- What is an excess?
- What is LHC?
- What is the MBS?
- Where does Medicare fit in?
- Transcranial Magnetic Stimulation (TMS) Pilot
- Mental Health Waiver
- Entry Hospital
- Annual premium review
- Can I lock in my premium?
- I can’t use my cover like I used to...
- What if my cover is currently suspended?
- Where do my premiums go?
- Why does my premium change every year?
- Why does my premium change, if I rarely make claims?
- Why is my price change different to the national average percentage?
- 3 ways to save money on your health insurance.
Exceptions for Australians and Returning Permanent Residents from Overseas
Australians and Permanent Residents recently returned from overseas can apply for an exemption from the Lifetime Health Cover (LHC) loading amount.
Who can apply?
You must meet the following criteria to be able to apply for this exemption:
- You turned 31 before 1 July 2000 and have been resident overseas since 1 July 2000
- OR you turned 31 after 1 July 2000 and left the country before next 1 July
- You have been resident overseas ever since (which means no more than 90 consecutive days in Australia).
How do I get an exemption?
To apply for an exemption, you will need to contact the Department of Immigration & Citizenship on 131 881 to request and complete ‘form 1359’ (i.e. a Request for International Movement Records).
Exceptions for Recent Immigrants
Recent immigrants over 31 years old can avoid Lifetime Health Cover (LHC) loading by getting private health insurance within one year of registering for Medicare.
What your next steps are:
- Contact Medicare on 132 011 to obtain a letter stating your Medicare eligibility date
- The Medicare eligibility date is the actual date that you were enrolled or registered for Medicare benefits
- Rest assured, this is a common request so Medicare will know what you need
- Attach the letter and drop us a line with it!
- We will then apply it to your LHC, hopefully reducing or waiving it entirely.
Please note: LHC applies to each adult individually so if you are on a family cover it is necessary to get an exemption for every adult in your family who is over 30 years old.