How to complete the private health insurance section of your tax return

Last updated June 2026

Tax time doesn’t have to be a headache. Frank sends your health insurance details straight to the ATO, so your private health insurance information should automatically pre-fill in your tax return. Most of the time, you won't even need to look at your statement! 

But if your details haven’t pre-filled, or you just like to double-check the numbers yourself, this step-by-step guide will help you easily complete the private health insurance section. 

Find your tax statement in the member area by the end of July. 

Step-by-step: completing the private health insurance section in myTax 

To make this easy, we recommend having your Frank tax statement open in one window and your myTax return open in another. You can find your tax statement in the member area by the end of July. 

Once you are logged into myGov, open your myTax return and navigate to the ‘Medicare and private health insurance’ section. Your Frank tax information should be pre-filled for you. If it isn't, or if you need to double-check the details, just go through the fields in this order: 

Health Insurer ID: Enter GMH (you'll find this on your statement header). This is Frank's unique ATO identifier. 

Membership number: Copy this directly from your Frank statement. 

Label J – Premiums eligible for the Australian Government Rebate on private health insurance: Copy the dollar amount from Label J on your statement. This is your share of your premiums that are eligible for the rebate (it doesn't include the Lifetime Health Cover loading). 

Label K – The Australian Government Rebate received: Copy the dollar amount from Label K. This is the rebate Frank has already applied to your premiums on your behalf. If this field is empty, you may not have registered with Frank to receive the rebate as a premium reduction. If you change your mind, you can apply to receive the rebate at any time by completing this application form  

Label L – Benefit code: Copy the numbers from Label L (it will usually be 30, 31, 35, 36, 40, or 41).  This identifies the rebate rate you’re entitled to based on the age of the oldest person on your policy. 

Got two rows on your statement? If your statement shows two rows (usually due to the government adjusting the rebate on 1 April), enter each row separately. Don't add the amounts together! 

Label A (M2 section) – Number of days of hospital cover: Copy this directly from your statement. This tells the ATO exactly how many days you held private health insurance hospital cover during the year, which determines whether you need to pay the Medicare Levy Surcharge. 

What is the tax claim code and which one do I use? 

Unlike the other fields, the tax claim code is not on your Frank statement. You need to choose the code yourself based on your relationship status on 30 June. Your code might be pre-filled from last year, so just double-check that it still matches your current circumstances.

Code	When to use this code
A	Single with no dependants. You are claiming the rebate just for yourself.
B	Single parent.  You have private health insurance as a single parent family. You’re claiming the rebate for yourself and your dependant(s).
C	Partnered, or parent claiming for dependent-person-only policy. You are claiming a share of the policy only.
D	Partnered (claiming both shares). You’re married or in a de facto relationship, and you are claiming both your share AND your partner's share.
E	Partnered (partner is claiming). You’re married or in a de facto relationship, but your partner is claiming your rebate share on your behalf. (You do NOT claim it on your return).
F	Dependant. You are covered as a dependent person on someone else's policy.

 

How to read your Frank private health insurance tax statement

Looking at your statement and wondering what all the letters and numbers actually mean? Here is a quick breakdown to help you translate your statement.

Statement section	What it means
Label B	Health Fund ID You’ll see GMH on your statement. This is just the ATO’s unique identifier for Frank. It tells the ATO to match this statement to your tax return.
Label C	Your membership number. This is the unique number allocated to your policy by Frank.
Label J	Your premiums eligible for the Australian Government Rebate. This is your specific share of the premiums that are eligible for the rebate. It doesn't include anyone else on a policy or any Lifetime Health Cover (LHC) loading.
Label K	Your Australian Government Rebate received. This is the actual dollar amount of the rebate that Frank has already deducted from your premiums on your behalf during the year.
Label L	Benefit code. This number indicates the rebate rate you’re eligible for. This is based on the age of the oldest person on your policy. (Note: This is different from the tax claim code you pick yourself).
Label A (M2 section)	Number of days of hospital cover. This shows exactly how many days you held an appropriate level of private health insurance hospital cover during the financial year. The ATO checks this to see if you need to pay the Medicare Levy Surcharge.
Other adult beneficiaries	If you have other adults on your policy (like a spouse or partner), they’ll be listed here. Individual tax statements are generated for each adult on the policy and shared with the ATO in July.

 

What is the benefit code for private health insurance?   

Your benefit code (you’ll see this at Label L on your statement) tells the ATO which age-bracket your policy falls into for the Australian Government Rebate and helps determine the rate you’re entitled to based on the age of the oldest person on your policy. 

Quick tip: Benefit code vs. tax claim code  
It’s easy to mix these two up! Just remember:  

• The benefit code is a number (like 30 or 31) and relates to the age of the oldest person on the policy.  
• The tax claim code is a letter (A through F) and is about your relationship status and who is claiming the rebate.

Benefit code reference table 

Benefit code	Age of oldest person on policy	What it means
30	Under 65	Code for cover during the period  1 July to 31 March
31	Under 65	Code for cover during the period  1 April to 30 June
35	65–69	Code for cover during the period 1 July to 31 March
36	65–69	Code for cover during the period 1 April to 30 June
40	70 or over	Code for cover during the period 1 July to 31 March
41	70 or over	Code for cover during the period 1 April to 30 June

FAQs about health insurance and tax