- reached age pension age
- do not qualify for a payment by us or the Department of Veterans' Affairs, and
- met the income test
Eligibility and payment rates
Eligibility for the Commonwealth Seniors Health Card
To qualify for a Commonwealth Seniors Health Card you must:
- have reached age pension age and not qualify for a payment from us or the Department of Veterans' Affairs
- provide us with your and your partner's tax file numbers, or be granted an exemption from doing so
- meet the income test, and
- meet residency requirements
Concessions and discounts for Commonwealth Seniors Health Card
Your Commonwealth Seniors Health Card provides discounts on Pharmaceutical Benefits Scheme (PBS) prescription medicines. You may also need to show your Medicare card when lodging your prescription at the pharmacy.
You may also get a discount or concession on:
- bulk billed doctor appointments,
- cheaper out of hospital medical expenses through the Medicare Safety Net
- concessional rail travel on Great Southern Rail services, such as The Indian Pacific, The Ghan, and The Overland, and
- extra health, household, transport, education, and recreation concessions that are offered by state, territory, local governments and private businesses - these providers offer concessions at their own discretion, and the availability of these concessions may vary between providers
Income test for the Commonwealth Seniors Health Card
The Commonwealth Seniors Health Card is subject to an income test which is indexed on 20 September each year and includes:
- adjusted taxable income, and
- a deemed amount from account based income streams
There is no assets test.
You should have an annual income of less than:
- $52,273 for singles
- $83,636 for couples combined, or
- $104,546 for couples combined, couples separated by illness or respite care, or where one partner is in prison
The income limit is increased by $639.60 for each dependent child you care for.
Account based income streams
Account based income streams provide the holder with a tax free retirement income stream from age 60. These income streams also provide flexible access to your capital. This financial product is considered as part of your income test. The current account balance of an account based income stream is subject to deeming where it is:
- purchased or changed on or after 1 January 2015
- owned by someone granted Commonwealth Seniors Health Card on or after 1 January 2015, and
- owned by a card holder’s partner who is aged 60 or more
Adjusted taxable income
Your adjusted taxable income will be used to assess your entitlement for some payments, supplements, support and benefits.
Residency requirements for the Commonwealth Seniors Health Card
To be eligible for a Commonwealth Seniors Health Card you must satisfy residency requirements. You must be living in Australia and you must be:
- an Australian resident, or
- the holder of a special category visa
You must also:
- be physically present in Australia on the day you submit your claim, and
- continue to meet the residency requirements for as long as you hold this card
Newly arrived residents generally have a 104 week waiting period, with some exemptions.
If you qualify for a Commonwealth Seniors Health Card, you may choose to receive the quarterly supplement.
The quarterly supplement is a payment for the Energy Supplement.
Managing your card
Renewing a Commonwealth Seniors Health Card
Your Commonwealth Seniors Health Card is valid for 1 year and will be renewed automatically each year in August if you remain eligible.
Digital concession cards
If you have a concession or health care card, you can also access a digital image of it from the Digital Wallet on the Express Plus Centrelink mobile app. The Digital Wallet lets you present your concession or health care card using your smart device.
To access the Digital Wallet, eligible customers need to download the latest version of the Express Plus Centrelink mobile app. Then:
- log on-to the app
- select Digital Wallet or rotate your smart device on its side.
- your card will:
- drop down from the top of the screen
- swipe vertically to show the front and the back of the card, and
- shimmer slightly
If you have more than one concession or health care card, you can swipe horizontally to access the card you need.
If your concession or health care card is no longer active, EXPIRED will appear across the card. An expired card will be displayed for 28 days before it’s no longer available through the app. There may be circumstances where you should continue to use your physical concession or health care card. If your Digital Wallet is not accepted by a concession provider, please contact us with their details by emailing email@example.com
Do your Centrelink, Medicare and Child Support business using self service options, including our Express Plus mobile apps, online accounts and phone self service.
Change of circumstances while receiving Commonwealth Seniors Health Card
You need to tell us if your circumstances change when you are receiving a payment. For example, if:
- your personal circumstances change
- you change your address
- your income changes
- you do not have to lodge a tax return
- your care arrangements change, or
- your work or study load changes
If you do not tell us about the changes within 14 days, your payment may be affected. You may be overpaid benefits and you will probably have to pay the money back.
If you deliberately do not tell us about changes, you could be charged with fraud, and a recovery fee may be imposed.
Lost or stolen card
Lost or stolen cards can be replaced. A replacement card will be sent to you by mail. It cannot be issued over the counter at a service centre. You can request a replacement card using your online account, phoning 132 300 or visiting your nearest service centre.
Commonwealth Seniors Health Card while travelling outside Australia
To remain eligible for a Commonwealth Seniors Health Card while you are outside Australia, you must continue to meet the qualification rules for this card.
Someone to deal with us on your behalf
If you want someone else to handle your Centrelink, Child Support or Medicare business you can authorise them to deal with us on your behalf.
Information you need to know about your claim for a Commonwealth Seniors Health Card
Other concession and health care cards
Concession and health care cards can help you access cheaper health care services and medicines.
Select the options that describe your circumstances then explore a suggested list of possible Centrelink and Medicare payments and services online.
Select your state and topics of interest to find links to government and community organisation support.
Managing your money
Getting control of your money can be hard, but we’ve got some great advice and tools to help. Read more about budgeting, borrowing and credit, and managing debt, to help manage your money.