请问忆友们，在小红书刷了了个视频说私人医保，好像是hospital cover。视频说保费越早买越便宜，而且一旦启用折扣会有效到41岁。我是p/r，25岁生日很快就到了。请问一下我需要买这个吗？ 谢谢
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###顶一下###我只知道，超过30岁买，会有一点点惩罚性的费用，年纪越大，买私人保险，越贵###Lifetime Health Cover is an Australian government initiative designed to encourage people to get their hospital cover early and keep it up.If you're an Australian resident, you have until 1 July following your 31st birthday to take out hospital cover otherwise a 2% Lifetime Health Cover loading may be added to your premium for every year you haven't held hospital cover, once you take it out. The maximum loading is 70%.###目前有大灾的情况下还是购买了比较好，至于年龄，私人保险肯定是年龄越小折扣越高。顺便说下，小红书90%以上都是营销号，看看就好###
这样啊，太感谢啦###
那好像不需要买
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