(before any rebate or insurer discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
Available in Western Australia
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include an insurer discount. Check with your insurer for details.
This policy covers children and other dependants up to and including the age of 20, students up to and including the age of 31, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
This is a corporate policy which is only available to employees/members of organisations with arrangements with this health insurer.
This policy can only be purchased with certain hospital policies.
This health insurer does not operate a preferred provider scheme.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $1,600 per person (combined limit for general dental, major dental & endodontic) | Periodic oral examination - 85% of charge Scale & clean - 85% of charge Fluoride treatment - 85% of charge Surgical tooth extraction - 85% of charge |
| Major dental | 12 | Full crown veneered - 85% of charge | |
| Endodontic | 2 | Filling of one root canal - 85% of charge | |
| Orthodontic | 12 | $850 per person $3,000 lifetime limit 1 appliance(s) every 1 year | Braces for upper & lower teeth, including removal plus fitting of retainer - 100% of charge |
| Optical | 2 | $300 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $350 per person up to $700 per policy (combined limit for non pbs pharmaceuticals & vaccinations) | Per eligible prescription - 85% of charge |
| Physiotherapy | 2 | $700 per person up to $1,400 per policy (combined limit for physiotherapy, chiropractic, exercise physiology & osteopathy) | Initial visit - 85% of charge |
| Chiropractic | 2 | Initial visit - 85% of charge Subsequent visit - 85% of charge | |
| Podiatry | 2 | $500 per person up to $1,000 per policy (combined limit for podiatry & orthotics (podiatric orthoses)) | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Psychology | 2 | $500 per person | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Acupuncture | 2 | $350 per person up to $700 per policy (combined limit for acupuncture, remedial massage & other services) | Initial visit - 85% of charge |
| Remedial massage | 2 | Initial visit - 85% of charge Subsequent visit - 85% of charge | |
| Hearing aids | 12 | $700 per person 1 appliance(s) every 3 years | Hearing aid - 85% of charge |
| Blood glucose monitors | 12 | $500 per person up to $1,000 per policy 1 appliance(s) every 2 years (combined limit for blood glucose monitors & other services) | Per monitor - 85% of charge |
| Audiology | 2 | $350 per person up to $700 per policy (combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy) | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Dietetics/dietary advice | 2 | $350 per person up to $700 per policy | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Eye therapy (orthoptics) | 2 | Combined limit - see Audiology | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Health management / Healthy lifestyle | 12 | $250 per person up to $600 per policy | Health management - 85% of charge |
| Occupational therapy | 2 | Combined limit - see Audiology | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Orthotics (podiatric orthoses) | 2 | Combined limit - see Podiatry | Orthotics supply & fit - 85% of charge |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - 85% of charge |
| Speech therapy | 2 | Combined limit - see Audiology | Initial visit - 85% of charge Subsequent visit - 85% of charge |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - 85% of charge |
| Periodic Oral Examination - 100% for 2 services, 85% for additional services. Scale and clean - 100% for 2 services, 85% for additional services. Fluoride Treatment - 100% for 2 services, limit 2 services per person per year. A benefit is also payable for myotherapy, Health Appliances & Aids, and an 85% rebate on full ambulance subscriptions when paid voluntarily but not as a state tax or levy. Vaccinations are for travel vaccines and must be approved by Latrobe. | |||
| Other treatments - check with your insurer |
Members can also claim benefits for GP telehealth consultations where no Medicare benefit is payable and for medically necessary Health Appliances & Aids. When combined with hospital cover, this benefit includes a Benefit Bonus of $150 per person each year (up to $300 per membership), which can accumulate for up to five years to a maximum of $750 per person (up to $1,500 per membership). For Couple and Family memberships, each person may claim up to 50% of their accrued Benefit Bonus in any one year. Benefit Bonus limits refresh on each join anniversary.
In Western Australia this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Call-out fees: will not be paid.
https://www.latrobehealth.com.au/health-cover/emergency-ambulance-cover/
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.