Who is eligible for a Commonwealth Seniors Health Card?

You must be Age Pension age (67 or older), an Australian resident, and not receiving the Age Pension, Disability Support Pension, Carer Payment, or other income support payments. Your Adjusted Taxable Income must be under $152,640 per year for singles or $244,224 combined for couples (2025-26 limits).

What is the income limit for the Seniors Health Card in 2025-26?

For the 2025-26 financial year (from 20 September 2025), the Adjusted Taxable Income limits are $152,640 per year for singles and $244,224 per year combined for couples. These limits are indexed annually on 20 September. There is no assets test — it was permanently removed in September 2022.

What benefits does the Seniors Health Card give you?

The CSHC provides cheaper PBS medicines ($7.70 per script instead of $31.60), potential bulk-billed GP visits, a lower Medicare Safety Net threshold ($797.90 vs $2,680.90), quarterly Energy Supplement payments ($14.10/fortnight for singles, $10.60/fortnight each for couples), and state/territory concessions on electricity, water, council rates, transport, and vehicle registration. Total savings can exceed $2,000 per year.

Is there an assets test for the Seniors Health Card?

No. The assets test for the Commonwealth Seniors Health Card was permanently removed on 4 September 2022. Eligibility is now based solely on age, residency, and an income test using your Adjusted Taxable Income (ATI). This means you can hold significant assets (superannuation, property, shares) and still qualify, as long as your ATI is under the limit.

How do I apply for a Seniors Health Card?

You can apply online through myGov (linked to your Centrelink account), by calling Services Australia on 132 300, or by visiting a service centre in person. You will need your Tax Notice of Assessment, identity documents, and details of your income and super. Processing typically takes 4-6 weeks.

What is Adjusted Taxable Income (ATI) for the Seniors Health Card?

ATI is broader than just your taxable income. It includes your taxable income plus adjusted fringe benefits, target foreign income, total net investment losses (e.g. negative gearing), reportable superannuation contributions, and deemed amounts from account-based superannuation income streams. It does not include tax-free government pensions or the tax-free component of super withdrawals.

Seniors Health Card Calculator

Check if you qualify for a Commonwealth Seniors Health Card (CSHC) for 2025-26. Self-funded retirees aged 67+ can save $2,000+ per year on PBS medicines, energy bills, and state concessions — with no assets test.

Last verified: 20 March 2026

Your age

You must be Age Pension age (67 or older) to qualify. You can check ahead of time if you are approaching 67.

Relationship status

Single

Partnered / de facto

Combined income is assessed against the couple limit

Couple separated due to illness

Higher combined income limit applies

Annual taxable income

Your taxable income from your most recent Tax Notice of Assessment. For couples, combine both partners' taxable incomes.

Adjusted Taxable Income (ATI) includes more than just your taxable income. Add any of the following that apply to you. Most people only need the taxable income field above.

State or territory

State-specific concessions vary. Select your state to see estimated concession savings.

General information and estimates only — not financial, tax, or legal advice. Always verify with Services Australia.

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