Commonwealth Seniors Health Card Eligibility Calculator
Check whether you’re likely eligible for the Commonwealth Seniors Health Card (CSHC) in Australia, based on your income.
Your income looks within the limit and you’re of pension age without the pension, so you’re likely eligible. The card gives cheaper medicines and other concessions, and there’s no assets test.
- ✓Age Pension age, not receiving the pension
- ✓Income under the single limit (~$99k)
How we estimate this
The Commonwealth Seniors Health Card (CSHC) is for Australians of Age Pension age who don’t receive the pension, usually because their assets are too high. There’s no assets test, only an income test on adjusted taxable income (about $99,000 single / $158,000 couple in 2026).
Pricing reviewed: June 2026.
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Understanding commonwealth seniors health card eligibilitys in Australia
The Commonwealth Seniors Health Card (CSHC) is for Australians of Age Pension age who don’t receive the pension, usually because their assets are too high. There’s no assets test, only an income test on adjusted taxable income (about $99,000 single / $158,000 couple in 2026).
The card gives cheaper PBS medicines, bulk-billing incentives and other concessions, valuable for self-funded retirees. Deemed income from account-based pensions counts toward the income test.
Frequently asked questions
Is there an assets test for the CSHC?
No, the CSHC has an income test only, on your adjusted taxable income plus deemed income.
What’s the CSHC income limit?
About $99,000 for singles and $158,000 combined for couples in 2026, indexed each year.
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