Estimate the Australian Government rebate on your premium and the amount you pay after it, using your income tier and age.
Enter the full annual premium for your hospital and extras cover before the rebate and without any Lifetime Health Cover loading, because the rebate is not paid on the loading. Then enter your rebate percentage from the table below. The tool multiplies the two.
Rebate percentages, 1 April 2026 to 31 March 2027 (privatehealth.gov.au):
| Age of oldest person on the policy | Base tier | Tier 1 | Tier 2 | Tier 3 |
|---|---|---|---|---|
| Under 65 | 24.118% | 16.079% | 8.038% | 0% |
| 65–69 | 28.139% | 20.098% | 12.058% | 0% |
| 70 or over | 32.158% | 24.118% | 16.079% | 0% |
For premiums from 1 July 2026 the income tiers are: base tier up to $105,000 for singles and $210,000 for families; tier 1 to $123,000 / $246,000; tier 2 to $164,000 / $328,000; tier 3 above that. Family thresholds rise by $1,500 for each dependent child after the first.
Worked example (illustrative). A single person aged 40 with income for surcharge purposes of $115,000 is in tier 1 for 2026–27. On a $2,400 premium the rebate is $2,400 × 16.079% = $385.90, so they pay $2,014.10. If their income later turns out to be in tier 2, the rebate should have been $2,400 × 8.038% = $192.91, and the ATO recovers the difference of $192.99 through their tax return.
Limits. Percentages change every 1 April and tiers every 1 July. The rebate is reconciled at tax time using your actual income, so choose your tier carefully. Check the current figures on privatehealth.gov.au or ato.gov.au.
Costs, Tiers and 2026 Rules
How extras (general treatment) cover pays for dental, optical, physio and other services, how limits and combined limits work, and how it fits with Medicare and the rebate.
Worked Examples and Checklists
Test extras cover by comparing the premium after rebate with the benefits you would actually claim, with worked examples for a light user, a regular user and a family.
Worked Examples and Checklists
Ten-year cost of the LHC loading at different joining ages, compared with holding cheap hospital cover from your base day, with every step of the arithmetic shown.
Costs, Tiers and 2026 Rules
How the LHC loading is calculated, when your base day falls, the 1,094 days of absence, couples' averaging, exemptions and how the loading ends after 10 years.
Costs, Tiers and 2026 Rules
What Medicare covers, what private hospital and extras cover add, and how the surcharge, Lifetime Health Cover loading, rebate and waiting periods shape the price.
Costs, Tiers and 2026 Rules
Rebate percentages from 1 April 2026 by age and income tier, the 2026–27 thresholds, premium reduction versus tax return claims, and how tax-time reconciliation works.
