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TAX TIME Sorted

YOUR 2024-25 PRIVATE HEALTH INSURANCE TAX INFORMATION

To help you complete your tax return, we’re sending your Private Health Insurance Tax Statement to the Australian Taxation Office (ATO) in early July. Once your tax information is available, you’ll find it in the ATO’s myTax portal and with your registered tax agent if you have one.

You can also get a copy of your tax statement by 14 July 2025 in the following ways:

Tax statements from the past 2 financial years can be requested from 15 July 2025 by calling our self-service hotline on 13 14 39 and pressing 2. To request an older tax statement, chat to us online or through the My Membership app or give us a call on 13 13 34 (Mon to Fri: 8am to 8pm, Sat: 9am to 5pm AEST/AEDT).

HOW TO READ YOUR TAX STATEMENT

If you’d like to know what to look for, we’ve created a handy guide to help you better understand your tax statement.
 
Download the guide

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TAX FAQs

Getting your Private Health Insurance Tax Statement 

Understanding your Private Health Insurance Tax Statement

The Australian Government Rebate 

Getting your Private Health Insurance Tax Statement

Where can I find my Private Health Insurance Tax Statement?
We’ll send your Private Health Insurance Tax Statement to the ATO in early July.

Once it's available, you'll find it in the ATO’s myTax portal or with your registered tax agent if you have one. You can also download a copy of your statement from your HCF inbox in online member services or through the My Membership app by 14 July 2025.

Why is my private health insurance information sent to the ATO?
We send your tax information directly to the ATO because it’s a legal requirement for organisations like health funds, banks and employers.

It’s also another way to make tax time simpler. If you’re doing your taxes online or with a registered tax agent, your private health insurance details will become available to you and your tax agent.

Will I get a Private Health Insurance Tax Statement this year?
You’ll get a tax statement if you’re a member who had private health insurance during the 2024-25 financial year, and premiums were paid for that cover.

You won’t get a tax statement if you’re a dependant (up to the age of 31) or a member who only has Overseas Visitor Health Cover. If you had HCF Accident Only Basic cover along with Overseas Visitor Health Cover, we’ll create a tax statement for you. If you're a dependant aged between 18 to 31 and need a tax statement, let us know by:

Can I get my tax information over the phone?
No, this is private information we can’t share over the phone, but you can request a copy through our self-service hotline by calling 13 14 39 and pressing 2. You can also download your tax statement from your inbox in online member services or through the My Membership app by 14 July 2025.

Why didn’t my adult dependant children get a Private Health Insurance Tax Statement?
Dependant children aged 18 to 31 can be covered on their parents’ policy, but your tax statement will only list the adults on the policy who aren’t dependant children.

If someone on your policy isn’t named on your tax statement and needs private health information to complete their tax return, let us know by:

Understanding your Private Health Insurance Tax Statement

Why do I need this information to lodge my tax return?
There are 2 reasons you need this information to lodge your tax return:

  • Your Private Health Insurance Tax Statement shows the Australian Government Rebate (Rebate) amount on your premium.
  • It also shows how many days you had private hospital cover during the 2024-25 year. If you had cover for less than 365 days you might need to pay the Medicare Levy Surcharge.

I have health cover on a shared (family or couples) policy. How do I get my tax information?
The member listed as the primary policyholder can ask for all the tax information about your cover and decide where it’s sent.

The primary policyholder can access a copy of the tax statement for each adult on your policy by:

If you're not the primary policyholder and need a tax statement, let us know by:

What if my income changed this year?
The Australian Government Rebate is income tested, so if your income has changed, it might be worth checking what this means for your premiums and the tax you pay. The income tiers change on 1 July 2025.

It’s easy to update your income details. Log in to online member services or the My Membership app and go to My Cover to update your details.

If your employer pays for your cover, call 13 13 34 (Mon to Fri: 8am to 8pm, Sat: 9am to 5pm AEST/AEDT) and we’ll help you.

Why is my Private Health Insurance Tax Statement showing $0?
There could be a few reasons. You might have prepaid your premiums ahead of the 2024-25 financial year or you could be a new member who joined before 1 July 2025 and haven’t paid any premiums yet.

If you're still unsure, chat to us online or through the My Membership app, or call us on 13 13 34 (Mon to Fri: 8am to 8pm, Sat: 9am to 5pm AEST/AEDT).

The Australian Government Rebate

What's the Australian Government Rebate and what does it mean for my private health cover?
The Australian Government Rebate (Rebate) is good news: it’s an amount the government pays towards the cost of health insurance premiums. It’s important to know it depends on your (and your family's) income though: the more you earn, the lower your Rebate will be and if you earn over a certain amount, or threshold, you won't get a Rebate.

When it comes to tax time, you’ll need your Australian Government Rebate information to fill in your tax return. You need to use the Rebate amounts exactly as they appear on the tax statement when you lodge your tax return.

What's my benefit code?
The benefit code is what the ATO uses to calculate your rebate amount. It’s calculated on the age of the oldest person covered on your policy. You will find this on the Benefit code column of your Private Health Insurance Tax Statement.

Getting in touch

If you’re having trouble downloading your Private Health Insurance Tax Statement, or have questions, you can reach us by:

If you have any tax-related questions or need help in completing your tax return, you can call the ATO on 13 28 61, visit the ATO website or speak to your registered tax agent or accountant.

HCF Assist

Ruby and Diamond members are eligible for a free initial telephone conversation with a legal or tax specialist.

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Extra Information

For more information on your cover, like who’s included, your level of cover, premiums and benefits: 

HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan