The rules for suspending your membership vary from one health fund to the next. So if your fund refuses to let you suspend your policy, contact other funds to find out whether they would be willing to grant a suspension. If suspending your membership is not an option, remember that you may be able to let cover lapse for a limited period – remember, you're allowed a combined total of 1,094 days without any cover without it having any effect on your LHC loading.