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What is Lifetime Health Cover loading?

Signing up for health insurance by a certain age could help you to save money on premiums in the long run, while delaying could mean you have to pay Lifetime Health Cover (LHC) loading. Here are the basics on what it is and how to avoid it.

Written by
Mitchell Watson
Mitchell Watson Group Manager, Research and Ratings
Group Manager, Research and Ratings
Edited by
Alasdair Duncan
Alasdair Duncan Content Editor
Content Editor
calendar 18 June 2025
Fact checked