Great Advice · Commonwealth Seniors Health Card checker

Could you get the Seniors Health Card?

Figures as at 13 July 2026 · Estimate only

Is this for one person or a couple?

Just me A couple

Have you reached Age Pension age (67)?

The card is only for people at or over Age Pension age.

Yes, 67 or older Not yet

Are you already getting the Age Pension?

If you get any Age Pension, you already have the benefits this card gives.

No Yes, some

Your taxable income for the year

Combined if you are a couple. Roughly your taxable income, before tax. Leave out account-based pension drawdowns, the next question covers those.

Your account-based pension balance

The balance of any super pension you draw an income from. A rule called deeming counts a set return on it. Leave at zero if none.

Against the income test

See where you sit against the income limit

Adjust the details on the left. Nothing is stored and no personal details are needed. Round figures are fine.

You

Assessable income --Income limit --

What this rough check leaves out

The exact "adjusted taxable income" Services Australia uses adds back things like salary-sacrificed super and net investment losses, which this rough figure does not.
Some account-based pensions started before 1 January 2015 are not deemed, so the income test can treat them differently.
Residency rules, and the fact the limits are reviewed every year, so a near miss today can become a pass after the next change or a drop in your income.

What to check next

Read the official rules and apply with Services Australia. They set the limits and make the decision. Their page has the current figures and how to claim.
See if a part Age Pension is in reach. If your assets are not too high, you might qualify for a small Age Pension as well, which brings its own concessions. The self-check shows your band.

More tools: project your super to retirement, check your retirement readiness, or run the Age Pension self-check.

The figures this checker uses

Figure	Current amount
Income limit, single	$101,105 a year
Income limit, couple (combined)	$161,768 a year
Deeming threshold, single	$66,800
Deeming threshold, couple not receiving a pension	$55,300 each
Deeming rates	1.25% up to the threshold, 3.25% above it

Checked against Services Australia on 13 July 2026: the Seniors Health Card income test. The income limits were indexed on 20 September 2025 and are next reviewed on 20 September 2026. Couples separated by illness have a combined limit of $202,210, and each dependent child adds $639.60 to the limit. For a couple where neither person receives a pension, the $55,300 lower deeming threshold applies to each person's account-based pension separately from 1 July 2026. Services Australia makes the actual decision.

Services Australia makes the decision. A first meeting with George looks at how your income is structured, and whether small changes bring the card into reach.

Work it out with George 5.0 Google rating · Free first meeting. No obligation.

How it works: The Commonwealth Seniors Health Card has an income test but no assets test. This checker adds your taxable income to deemed income from account-based pensions, then compares the total with the current limit. For a couple where neither person receives a pension, each person's account-based pension is deemed separately using the $55,300 lower threshold. Deeming uses 1.25 per cent up to the applicable threshold and 3.25 per cent above it. The income limits and deeming rates are set by Services Australia. Checked 13 July 2026. Nothing is stored and no personal details are needed. Round figures are fine.

General information only. This tool does not consider your objectives, financial situation or needs, and a rough income-test check is not personal advice or an eligibility decision. Only Services Australia can confirm whether you qualify. Consider speaking with a licensed financial adviser before acting. Great Advice is a trading name of Aetos Wealth Advisors Pty Ltd, Corporate Authorised Representative of Akumin Financial Planning Pty Ltd (AFSL 232706).