If you earn more than $70,000 (single) or $140,000 (couple/family) a year and don't have private hospital cover, you will have to pay the Medicare Levy Surcharge (MLS). This is a 1% surcharge imposed by the Federal Government on top of the 1.5% Medicare Levy.

The good news is you can avoid the MLS by joining an approved hospital health cover with an excess of $500 or less (for singles) and $1000 or less (for couples / families) - per calendar year.

By joining a health cover plan you can receive a 30% Federal Government Rebate. Most members claim the Rebate upfront because you save 30% as a reduction in the cost of your cover.

The price you pay and the value you get should always be considered. Make sure you choose a plan that covers the things that matter to you. One sure way to find out the things that matter to you, is to relate it to the activities you do.

For example: If you regularly play football or netball you may want to cover yourself for physiotherapy. Whilst the exercise contributes to your overall fitness, your activities may provide greater risks.
Sometimes a seemingly minor sporting injury can be costly to repair.

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Hospital Cover

The total cost of your stay in hospital depends on the hospital you choose, your Doctors and your specific procedure.

Extras Cover

With Extras, this product has an annual limit on how much they will pay, and/or the number of times you can claim for extras over a certain period of time in a calendar year. At the begining of each year, your benefit limits are renewed and you can start to claim again. A higher level of cover gives you higher limits to claim against.

Whilst we all move through our life stages (single, couple or family) our requirements will most likely change. It is important to consider and review any health insurance with your life stage in mind.

For example: If you are a single healthy person and not wanting to have children, you may only be looking for health insurance that covers the basics.