Lifetime health cover loading is a ‘penalty’ introduced by the Australian Government that means for each year you don’t hold private health insurance after you turn 31 you pay a two per cent lifetime health cover loading.

A mouthguard’s main job is to protect teeth from being damaged. Mouthguards help reduce instances of, broken, or chipped teeth, fractured crowns, root damage and bridgework, saving you from a trip to the dentist or even worse, hospital.

Latrobe Health Services will delay its annual premium increase for private health insurance premiums from 1 April to 1 October. The six-month deferral is expected to collectively save members $3.7 million.