(before any rebate, loading or discount)
Covers one adult & dependants (2 or more people, only one of whom is an adult)
Available in Queensland
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading, an age-based discount or 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 policy exempts you from the Medicare Levy Surcharge.
This policy can only be purchased with certain general treatment policies.
This policy provides accident cover - check with your insurer for details.
This policy does not provide benefits for travel or accommodation (outside of hospital).
| Dental surgery | Hernia and appendix | Sleep studies |
| Diabetes management (excluding insulin pumps) | Joint reconstructions | Tonsils, adenoids and grommets |
| Eye (not cataracts) | Male reproductive system | Hospital psychiatric services |
| Gastrointestinal endoscopy | Miscarriage and termination of pregnancy | Palliative care |
| Gynaecology | Pain management | Rehabilitation |
| Assisted reproductive services | Dialysis for chronic kidney failure | Lung and chest |
| Back, neck and spine | Digestive system | Pain management with device |
| Blood | Ear, nose and throat | Plastic and reconstructive surgery (medically necessary) |
| Bone, joint and muscle | Heart and vascular system | Podiatric surgery (provided by a registered surgical podiatrist – limited benefits) |
| Brain and nervous system | Implantation of hearing devices | Pregnancy and birth |
| Breast surgery (medically necessary) | Insulin pumps | Skin |
| Cataracts | Joint replacements | Weight loss surgery |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Kidney and bladder |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person and $1500 per policy per year.
Excess payments do not apply to hospital admissions for accidents or dependants.
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
Each person only pays the excess once per calendar year. Families pay only two excesses per calendar year. Additional medical gap benefits are payable on this policy. This product includes Supported Discharge, Hospital Substitute and Chronic Disease Management Programs - see latrobehealth.com.au for more information.
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au/). This includes cover whilst interstate.
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.