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Sunday, November 11, 2012

Health Cover Australia


AUSTRALIAN HEALTH SYSTEM
UNITY = DIVERSITY

List of Health Funds

ACA Health Benefits Fund
ACA HEALTH BENEFITS FUND
ACA HEALTH BENEFITS FUND


ahm Health Insurance
AHM HEALTH INSURANCE
AHM HEALTH INSURANCE


Australian Unity Health Limited
AUSTRALIAN UNITY HEALTH LIMITED
AUSTRALIAN UNITY HEALTH LIMITED


Bupa Australia Pty Ltd
BUPA AUSTRALIA PTY LTD
BUPA AUSTRALIA PTY LTD


CBHS Health Fund Limited
CBHS HEALTH FUND LIMITED
CBHS HEALTH FUND LIMITED


CDH Benefits Fund
CDH BENEFITS FUND
CDH BENEFITS FUND


Central West Health Cover
CENTRAL WEST HEALTH COVER
CENTRAL WEST HEALTH COVER


CUA Health Limited
CUA HEALTH LIMITED
CUA HEALTH LIMITED


Defence Health Limited
DEFENCE HEALTH LIMITED
DEFENCE HEALTH LIMITED


GMF Health
GMF HEALTH
GMF HEALTH


GMHBA Limited
GMHBA LIMITED
GMHBA LIMITED


Grand United Corporate Health
GRAND UNITED CORPORATE HEALTH
GRAND UNITED CORPORATE HEALTH


HBF Health Limited
HBF HEALTH LIMITED
HBF HEALTH LIMITED


HCF
HCF
HCF


Health Care Insurance Limited
HEALTH CARE INSURANCE LIMITED
HEALTH CARE INSURANCE LIMITED


HEALTH INSURANCE FUND OF AUSTRALIA LIMITED
HEALTH INSURANCE FUND OF AUSTRALIA LIMITED

Health Partners
HEALTH PARTNERS
HEALTH PARTNERS


health.com.au
HEALTH.COM.AU
HEALTH.COM.AU


Latrobe Health Services
LATROBE HEALTH SERVICES
LATROBE HEALTH SERVICES


Medibank Private Limited
MEDIBANK PRIVATE LIMITED
MEDIBANK PRIVATE LIMITED


Mildura District Hospital Fund Ltd
MILDURA DISTRICT HOSPITAL FUND LTD
MILDURA DISTRICT HOSPITAL FUND LTD



Navy Health Ltd
NAVY HEALTH LTD
NAVY HEALTH LTD


NIB Health Funds Ltd.
NIB HEALTH FUNDS LTD
NIB HEALTH FUNDS LTD


Peoplecare Health Insurance
PEOPLECARE HEALTH INSURANCE
PEOPLECARE HEALTH INSURANCE


Phoenix Health Fund Limited
PHOENIX HEALTH FUND LIMITED
PHOENIX HEALTH FUND LIMITED


Police Health
POLICE HEALTH
POLICE HEALTH


Queensland Country Health Fund Ltd
QUEENSLAND COUNTRY HEALTH FUND LTD
QUEENSLAND COUNTRY HEALTH FUND LTD


Railway and Transport Health Fund Limited
RAILWAY AND TRANSPORT HEALTH FUND LIMITED
RAILWAY AND TRANSPORT HEALTH FUND LIMITED


Reserve Bank Health Society Ltd
RESERVE BANK HEALTH SOCIETY LTD
RESERVE BANK HEALTH SOCIETY LTD


St.Lukes Health
ST LUKES HEALTH
ST LUKES HEALTH


Teachers Health Fund
TEACHERS HEALTH FUND
TEACHERS HEALTH FUND


Teachers' Union Health
TEACHERS' UNION HEALTH
TEACHERS' UNION HEALTH


The Doctors' Health Fund
THE DOCTOR'S HEALTH FUND
THE DOCTOR'S HEALTH FUND



Westfund Health Insurance
WESTFUND HEALTH INSURANCE
WESTFUND HEALTH INSURANCE



Frank Health Insurance
FRANK HEALTH INSURANCE
FRANK HEALTH INSURANCE


RACT
RACT
RACT

FIT
FIT
FIT

Overseas Student Health Insurance

OVERSEAS STUDENT HEALTH INSURANCE
Allianz Global Assistance 
FUTURE UNLIMITED
Study In Australia Health Insurance
STUDENT HEALTH INSURANCE
Student Health Insurance
WORLDCARE EDUCOVER AUSTRALIA
\Worldcare Educover  - Australia
AON
AON Students Insurance

Lifetime Health Cover


Lifetime Health Cover is a Government initiative that started on 1 July 2000. It was designed to encourage people to take out hospital insurance earlier in life, and to maintain their cover.
Lifetime Health Cover is a Government initiative that started on 1 July 2000. It was designed to encourage people to take out hospital insurance earlier in life, and to maintain their cover.
In Australia, private health insurance is not ‘risk-rated’ like most forms of insurance. Private health insurers cannot refuse to insure any person, and must charge everyone the same premium for the same level of cover, despite their risk profile and likelihood of using health services.

LHC is a financial loading that can be payable in addition to the base rate premium for your private health insurance hospital cover. If you purchase hospital cover earlier in life, and keep it, you will pay lower premiums compared to someone who joins when they are older.

LHC loadings apply only to hospital cover. They do not apply to private health insurance general treatment cover (also known as ancillary or extras cover).

To avoid paying a LHC loading, you need to purchase hospital cover by 1 July following your 31st birthday. If you purchase hospital cover after this date you may be required to pay a LHC loading – 2% for each year you are over 30. For instance, if you wait until you are 40, you could be paying an extra 20% on the cost of your hospital cover. If you wait until you are 50, you could pay 40% more. And so on, up to a maximum of 70% more.

If you are a new migrant to Australia, and are aged 31 or over, you will not have to pay a LHC loading if you purchase hospital cover within 12 months of being registered for full Medicare benefits.

If you delay purchasing hospital cover for more than 12 months after your registration, you will have to pay 2% more for each year you are aged over 30 when you purchase your hospital cover.
Any LHC loading that you pay will be removed from your hospital cover premium after you have held hospital cover for 10 continuous years. However, if you cancel your hospital cover after the LHC loading has been removed, you may become liable to pay a LHC loading again in the future.

If you were born on or before 1 July 1934, you are exempt from the LHC loading. You can purchase hospital cover at any time and pay the base rate premium.

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