As a new migrant to Australia, if you are aged 31 or over, you will not have to pay a Lifetime Health Cover

If you are aged over 30 and you are taking out private hospital cover for the first time, you may have to pay an additional loading on top of your pre

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 loading if you take out private hospital insurance within 12 months of being registered for Medicare

Medicare is the Australian Government's universal health insurance scheme, which covers all eligible citizens and residents for hospital treatment in

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.

After this time you will have to pay 2% more for each year you are aged over 30 when you take out private health insurance.