Lifetime Health Cover
Anyone who takes out private hospital cover when they are under 30 years old or anyone between the ages of 30 and 65 who took out private hospital cover prior to 15 July 2000 is eligible for Lifetime Health Cover. This means that they will pay no more than the base rate premium for as long as they remain a health fund member with hospital cover. Anyone between 30 and 65 who takes out hospital cover after this date will have a loading added onto the base premium. People over 65 are not affected by Lifetime Health Cover and are eligible for the base premium at any time.