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  • Lifetime Health Cover Loading (LHC)

    One of the most misunderstood and confusing areas of private health insurance is Lifetime Health Cover (LHC), particularly the ‘loading’. Lifetime Health Cover is a Federal Government initiative that aims to encourage Australians to take out Hospital cover at a younger age and to maintain that Hospital cover over their

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  • Cutting Out The Junk

    Cutting out the junk! What is a Health Insurance Junk Policy? Buying junk can be a combination of trying to avoid the Medicare Levy Surcharge at tax time, as well as Lifetime Health Cover loading (LHC). The benefit of using junk policies to avoid tax may save you money now and

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  • Your age at tax time

    Being twenty-something is awesome. You may be lucky enough to still be on the same health cover policy as your family if you are under 25 and still studying. If you are a little older, building your career and submitting a healthy annual tax return, pay attention! If you are

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