Australian taxpayers contribute to the cost of public health care through the Medicare Levy. If your income is over a certain threshold, you have to pay the Medicare Levy Surcharge, unless you have private hospital cover.
This surcharge encourages those with higher incomes to take out private health insurance and use the private hospital system, reducing demand on the public hospital system. The amount you’ll pay depends on your annual income, as shown in the table below.
To avoid paying the Medicare Levy Surcharge we recommend taking out our Baic+ Hospital cover. This entry-level cover is our most affordable yet and is ideal for those seeking private hospital insurance for tax purposes.
Surcharge and income threshold levels applicable from 1 July 2023:
Medicare Levy Surcharge
$93,000 or less
$93,001 - $108,000
$108,001 - $144,000
$144,001 or more
Families (including single parents and couples)
$186,000 or less
$186,001 - $210,000
$216,001 - $288,000
$288,001 or more
The income threshold levels for couples includes de facto couples. For families with children, the thersholds are increased by $1,500 for each dependent child after the first.
We have a great range of hospital covers, so you can pick the one that suits your lifestyle and budget.With extras you can claim for services such as dental, optical, physio and massage. We have a great range of covers, so you can pick the one that suits your lifestyle and budget.
(*) Prices include direct debit discount. (R) Restrictions apply. Sub limits may apply on extras products, click on for more details. Set extras benefits apply per service and vary depending on cover. Waiting periods may apply. Your rates may differ based on your Lifetime Health Cover loading (LHC). Actual rates may differ from those stated by up to 5c due to rounding increments.
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