You Deserve A Health Fund THAT PAYS MORE
                     You Deserve A Health Fund THAT PAYS MORE.
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You Deserve A Health Fund THAT PAYS MORE.
 
Insurance for Dental
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Do you avoid dental visits because of the cost? So do one in 
five Australian adults! Dental health insurance can offset 
dental care costs, but policies are far from equal. Learn how 
dental health insurance works, including what’s coverePdH YSIOTHERA
undPelarc deihffoeldreenr t policies, pitfalls to look out for, and howPY to find 
a plan to suit your needs.
 Insurance for Dental – Your Essential Guide to Dental 
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So, we help you compare your health insurance and switch to 
a new health fund that pays fair returns at any registered 
health provider practice in Australia.
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PHYSIOTHERAPY INSURANCE
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PHYSIOTHERAPY  insurance premiums keep going up in 
price every year but you may have noticed that your extras 
payouts and benefits might stay the same. 
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Useful Information 
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HEALTH INSURANCE AND TAXES IN 2022
All Australian’s contribute 1% of their income to support 
Medicare and our public health system through a tax cPaHllYeSdI OTHERA
theP Mlaecedhicoaldree rLevy. If you earn over the taxable incomPeY 
thresholds listed in this article, you will have to pay an 
additional tax for the 2021/2022 financial year called 
the Medicare Levy Surcharge. You can avoid all or part of this 
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additional tax surcharge if you hold at least a priRvate 
hospital cover policy during the same financial year. For 
every day you have private hospital cover, you avoid the 
Medicare Levy Surcharge for that day come tax time in 2022. 
The same income thresholds apply to the private health 
insurance government rebate, which we will also detail below.
LIFETIME HEALTH COVER LOADING EXPLAINED
We explain how lifetime health cover may affect you. Use our 
lifetime health cover loading calculator below. Optical
Lifetime Health Cover loading (LHC) is a government imposed 
penalty on private health insurance premiums, put in place to  
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encoPulraacgeeh oAludestrralians to take out private health insuranPcYe 
earlier in life. It is very important to be aware if you have any 
LHC before signing up for a policy (especially online) because 
it will affect the price – sometimes considerably. LHC can be 
so utterly complex that it is highly recommended thCaHtI RyOoPuR ACTO
speak to an experienced health insurance adviser tRo help you 
calculate any loading before comparing health insurance 
funds. Contact us for Lifetime health cover loading explained
 
Thank You
www.fairhealthcare.com.au