Your premiums may change on April 1. However, we can’t charge you less for not using your cover, or charge you more for using it.
Private health insurance in Australia must meet the government’s community rating requirements. This means everyone has access to the same insurance products at the same price, regardless of their health or claiming behavior. The Lifetime Health Cover (LHC) is an exception to community rating - you will have to pay a higher premium if you have a LHC loading.