Incentives for getting health cover

The Australian Government encourages people in a number of ways to have health insurance:

Australian Government Rebate on Private Health Insurance

Most Australians with private health insurance receive a rebate from the Australian Government to help cover the cost of their premiums. The rebate applies to hospital, general treatment and ambulance policies. It does not apply to overseas cover. The private health insurance rebate is income tested. The table below shows the income thresholds and Medicare Levy Surcharge (MLS) rate for 2017-2018. You may choose to claim the rebate to reduce your premiums or claim it with your annual Income Tax Return.

Base Tier Tier 1 Tier 2 Tier 3
Singles $90,000 or less $90,001 – $105,000 $105,001 – $140,000 $140,001 or more
Couples/Families $180,000 or less $180,001 – $210,000 $210,001 – $280,000 $280,001 or more
Medicare levy surcharge rate 0% 1% 1.25% 1.5%

You can find out more about the rebate here:

The Medicare Levy Surcharge

If you’re single and earn more than $90,000 (or a couple/family earning more than $180,000) and you don’t have private hospital cover, you may be liable to pay the Medicare Levy Surcharge. You can avoid this by joining one of our Hospital or Combined Hospital and Extras covers.

You can find out more about the surcharge here:

Important changes to the private health insurance rebate and Medicare Levy Surcharge were introduced from July 1 2012.

Almost 31 or older? Avoid paying the Lifetime Health Cover loading

If you don’t get private hospital cover before the 1st of July following your 31st birthday (also know as your “base day”), you pay a Lifetime Health Cover (LHC) loading of 2% on your base hospital cover premium for each year your age exceeds 30 when you do join. This loading is only removed after 10 years of continuous hospital cover.

This means it’s a big advantage to get private hospital cover before your base day. Even if you’ve already turned 31, the sooner you join Westfund Health Insurance, the lower your loading will be.

If you don’t currently have private health cover, get a quote today.

To see if you will incur a loading use the calculator from

To find out more visit about the Lifetime Health Cover visit:

Due to Australian Government legislation, if you currently pay a LHC loading, from 1 July 2013, the Rebate no longer applies to the LHC component of your hospital cover premiums. You will still receive the Rebate on the standard component of your hospital cover.

Private Health Insurance Code of Conduct

Westfund is a signatory to the Private Health Insurance Code of Conduct. The code is designed to help you by providing clear information and transparency in your relationships with health funds.

A full copy of the code is available at