How Are the LCR Loadings Calculated?

If you are purchasing a private health insurance policy for the first time at age 35 years or older you will pay a 2% loading on top of your premium for every year you are aged over 34 up to a maximum of 70%. The loading will apply for a maximum period of 10 years.

If you are aged 35 or older and do not have health insurance, your premium may cost you more due to Lifetime Community Rating legislation. Learn more about Lifetime Community Rating legislation here


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