Centrelink Benefits | Commonwealth Seniors Health Card

(Information current as at 9 October 2019)

What is it?

A Commonwealth Seniors Health Card is a concession card to get cheaper health care and some discounts if you have reached age pension age but are not receiving aged pension from Centrelink.

A Doctor holding and pointing to a sample Commonwealth Seniors Health Card.

Medical Benefits

Cheaper medicine under the Pharmaceutical Benefits Scheme
Bulk billed doctor visits (at doctor's discretion)
A bigger refund for medical costs when you reach the Medicare Safety Net

Eligibility Basics

Over pension age (see table below)
Unable to get a payment from Centrelink or the Department of Veterans' Affairs
Under the income test limit
Meet residence rules

Commonwealth Seniors Health Card over pension age table of information.

Income Test

The income tests uses adjustable taxable income and a deemed amount from accountant based income streams. This is reviewed 20 September each year in line with the Consumer Price Index.

To pass the income test, you must earn no more than:

  • $55,808 a year if you are single,
  • $89,290 a year for couples,
  • $111,616 a year for couples separated by illness, respite care or prison.

Add $639.60 to these amounts for each child in your care.

There is no assets test.


You must be an Australian resident, or the holder of a Special Category visa and living in Australia.

Newly arrived residents generally need to wait 2 or 4 years before getting the card, with some exemptions.

You must continue to meet the residency rules for as long as you are receiving the payment.

For more information to determine which payments you are eligible for please visit the following website:

If anything happened to you, would your loved ones know where to start in relation to your affairs?

If you haven't already, now is a great time to consider a Family Register.

If you would like to print this information please click here for PDF format.

The information provided in this information sheet does not constitute advice. The information is of a general nature only and does not take into account your individual financial situation. It should not be used, relied upon, or treated as a substitute for specific professional advice. We recommend that you contact Brentnalls SA before making any decision to discuss your particular requirements or circumstances.

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