Low Income Health Care Card
A concession card to get cheaper health care and some discounts if you’re on a low income.
- under the income test limits
- meet residence rules
Eligibility & payment rates
You may be able to get a Low Income Health Care Card if your income is below the limit in the income test.
You don’t need to pass an assets test.
Children on your card
If your child’s name is on your card you can use it for their expenses.
We can put your dependent child on your card if:
- you’re their main carer or
- they live with you for at least 2 nights every fortnight
They must be:
- under 19 if you’re supporting them while they study
Students and Australian Apprentices
You may be able to get the card if you’re on:
Call the Students and trainees line to apply.
Read about the non-income-tested Low Income Health Care Card.
To get a Low Income Health Care Card your income must be under the limit.
On the day you apply for the Low Income Health Care Card you must be:
- living in Australia, and
- in Australia
You must also be:
- an Australian citizen, or
- here on a:
To keep using your card
You must meet these rules for the whole time you’re using the card. For example, if you no longer hold a valid visa you can’t keep using the card.
How long you need to have been a resident
If you hold of one of the visas mentioned above, you must have been living in Australia for 104 weeks before you can get a card.
What may be different
You may be exempt from serving the 104 weeks if you:
- are an Australian citizen
- arrived in Australia as a refugee
- hold a specific visa subclass, or
- things have changed and you’re going through hardships beyond your control
With your card you can get:
- cheaper medicine under the Pharmaceutical Benefits Scheme
- bulk billed doctor visits – this is up to your doctor
- a bigger refund for medical costs when you reach the Medicare Safety Net
Your dependent child may be able to get some of these.
Your state or territory government and local council may offer you more. They may lower your:
- electricity and gas bills
- property and water rates
- public transport fare
- motor vehicle registration
Read more about what you can get where you live on the Australia.gov.au website.
Private companies may also offer you concessions if you show them your card.
If your payment was cancelled on 1 January 2017 because of the changes to the pension assets test, you’re eligible for one or more health cards.
If you were age pension age
If you were age pension age or over on 1 January 2017, you’re automatically eligible for a:
- non-income tested Commonwealth Seniors Health Card, and
- non-income tested Low Income Health Care Card
If you were under age pension age
If you were under age pension age on 1 January 2017, you’re automatically eligible for a non-income tested Low Income Health Care Card. You can apply for the non-income tested Commonwealth Seniors Health Card when you reach age pension age.
Check if you’re eligible before you start your claim.
- find out what you need before you start your claim
- fill in your claim
- submit your claim and any documents we ask for
- wait for us to assess your claim and tell you the result
You get a Low Income Health Care Card for 12 months.
You’ll need to reapply to renew your card and meet the income test. We will tell you when it’s close to expiry.
Renew your card using your Centrelink online account through myGov Your details will automatically display in the form, so you only need to update any information that has changed.
You can also renew your card using the form we send you.
Have your concession or health care card with you everywhere you take your phone.
Do your Centrelink, Medicare and Child Support business using self service options, including our Express Plus mobile apps, online accounts and phone self service.
Read more about using self service.
You need to tell us if your circumstances change when you hold a Low Income Health Care Card.
For example, you must tell us if:
- your personal circumstances change
- you change your address
- your income changes
- your care arrangements change, or
- your work or study load changes
How and when to tell us
The easiest way to tell us about changes is online. It’s never too late to report a change.
You need to tell us about the changes within 14 days.
If you don’t tell us about changes in your life, we may stop your card when we find out about them. If you deliberately don’t tell us, we could charge you with fraud.
Read about how to avoid fraud.
There are limits on how long your card remains current when you travel outside Australia. You must keep meeting the rules for this card at all times.
If you want someone else to deal with us, you can authorise them to enquire, act or get payments for you.
Concession and health care cards can help you access cheaper health care services and medicines.
Find, estimate and compare payments and services you may be eligible for. You can also work out what a change in circumstance might mean for the payments and services you currently receive from us.
We’ve got advice and tools to help you with budgeting, borrowing and credit, and managing debt.
Read about how to manage your money.