dont have to be over 30...![]()
if you earn over a certain amount and dont have PHI, mr tax man will charge you an additional medicare premium (1%?). Tis not long when that additional premium overtakes PHI cover, so works out in your favour to have the cover
The over 30 bit is if you join at say 40, you pay (40-30)x2% extra loading on your PHI cover




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