Do I need Lifetime Health Cover (LHC) if my company already provided hospital cover?

 Author: Deb_ATO(Community Support)Community Support

19 Feb 2024

Hi @JoeCheung

Congratulations on your new job and move, that’s great to hear your employer has offered to pay Hospital Cover for you and your family.

Just to clarify the 2% is the Medicare Levy and the Medicare Levy Surcharge is extra on top, they’re two different things.

Hospital Cover doesn’t make you exempt from the Medicare Levy, but it will exempt you from the Medicare Levy surcharge.

Now to answer your questions-

1-When you apply for Medicare Levy you won’t need any lifetime health cover letter, but it’s best to speak directly to Medicare and ask them what it is you need.

2-Avoiding the loading on private health insurance premium you’ll need to speak directly to your private health insurance provider and ask how the loading works. 

You can also check out our further info on the Medicare Levy and Surcharge.