Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.
AAMI Help Centre
Got a question? AAMI has you covered.
What is Lifetime Health Cover (LHC) loading and do I have to pay it?
Lifetime Health Cover (LHC) loading is an Australian Government initiative designed to take some burden off the public healthcare system, by encouraging people to take out private hospital cover earlier in life. You can avoid paying it by taking out hospital cover by 1 July following your 31st birthday.