Thinking about taking out hospital cover?

If you’re thinking about hospital cover, June is the month to sign up.

That’s because of a financial loading applied to private hospital insurance known as Lifetime Health Cover (LHC) loading, which encourages people to take out hospital cover at a younger age. It's calculated from 1 July every year.

Which means that joining in June makes great financial sense.

How does Lifetime Health Cover loading work?

If you sign up for hospital cover before 1 July following your 31st birthday, you avoid paying LHC loading for as long as you maintain your cover.

It's applied at a rate of 2% for every year you are over 31 (to a maximum 70%), so there's benefit for many in taking out cover sooner rather than later - even if you've already blown out 31 candles some time ago.

The loading you pay will be removed once you have 10 years of continuous hospital cover. 

It's important to know that it only applies to hospital cover, not extras.

Get a quote on hospital cover with Latrobe

Latrobe Health Services has a suite of hospital covers to suit a range of needs and budgets. Compare our hospital covers or get a quote today to lock-in your loading.

More information

Read our article about Lifetime Health Cover loading or access information about the LHC loading and private health insurance generally on the Federal Governnment’s private health website.

Get a quote

Join in June and save on Lifetime Health Cover loading. Review our hospital covers or get a quote today!



Why choose Latrobe


Member satisfaction

We're focused on our members and ensuring we meet their expectations. We abide by industry standards and the Private Health Insurance Code of Conduct.


Low premiums

Our annual premium rate increases have been lower than the industry average for 14 of the past 20 years.


Easy switching

When you switch to Latrobe, we recognise any waits you've served with your previous fund and will do the paperwork for you.


Not for profit

We're here for our members, not to make profits. Around 90c in every dollar we receive is used to pay our members' claims.