(before any rebate or insurer discount)
Covers two adults & dependants, including non-student dependants (3 or more people, only 2 of whom are adults)
Available in Victoria
Closed to new members
# 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, students up to and including the age of 31 and non-students up to and including the age of 31, as well as persons with a disability who qualify as a child, student or non-student in these age ranges.
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 | 3 | $1,000 per person up to $2,000 per policy (combined limit for general dental, major dental & endodontic - Sub-limits apply) | Periodic oral examination - $26.00 Scale & clean - $50.00 Fluoride treatment - $19.50 Surgical tooth extraction - $88.00 |
| Major dental | 12 | Full crown veneered - $456.00 | |
| Endodontic | 3 | Filling of one root canal - $93.10 | |
| Orthodontic | 12 | $300 per person $1,800 lifetime limit 1 appliance(s) every 3 years | Braces for upper & lower teeth, including removal plus fitting of retainer - $900.00 |
| Optical | 12 | $135 per person | Single vision lenses & frames - $135.00 Multi-focal lenses & frames - $135.00 |
| Non PBS pharmaceuticals | 2 | $300 per person up to $600 per policy (combined limit for non pbs pharmaceuticals, physiotherapy, chiropractic, remedial massage, eye therapy (orthoptics), home nursing, occupational therapy, osteopathy, speech therapy & other services) | Per eligible prescription - $25.00 |
| Physiotherapy | 2 | Initial visit - $27.00 Subsequent visit - $22.00 | |
| Chiropractic | 2 | Initial visit - $26.00 Subsequent visit - $19.00 | |
| Podiatry | 2 | $300 per person (combined limit for podiatry & orthotics (podiatric orthoses)) | Initial visit - $25.00 Subsequent visit - $25.00 |
| Psychology | 2 | $300 per person | Initial visit - $50.00 Subsequent visit - $50.00 |
| Acupuncture | 2 | $300 per person | Initial visit - $25.00 Subsequent visit - $17.00 |
| Remedial massage | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - $25.00 Subsequent visit - $17.00 |
| Hearing aids | 12 | $500 per person 1 appliance(s) every 5 years | Hearing aid - $500.00 |
| Blood glucose monitors | 12 | $200 per person up to $400 per policy 1 appliance(s) every 3 years (combined limit for blood glucose monitors & other services) | Per monitor - 70% of charge |
| Audiology | 2 | $300 per person | Initial visit - $25.00 Subsequent visit - $17.00 |
| Dietetics/dietary advice | 2 | $300 per person | Initial visit - $25.00 Subsequent visit - $17.00 |
| Eye therapy (orthoptics) | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - $25.00 Subsequent visit - $17.00 |
| Health management / Healthy lifestyle | 2 | 1 service(s) every 2 years | Health management - $55.00 |
| Home nursing | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - $25.00 Subsequent visit - $17.00 |
| Occupational therapy | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - $25.00 Subsequent visit - $17.00 |
| Orthotics (podiatric orthoses) | 2 | Combined limit - see Podiatry | Orthotics supply & fit - $70.00 |
| Osteopathy | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - $25.00 Subsequent visit - $17.00 |
| Speech therapy | 2 | Combined limit - see Non PBS pharmaceuticals | Initial visit - $25.00 Subsequent visit - $17.00 |
| Benefits are also payable for pressure garments, non-surgically implanted prostheses, CPAP machines, air compressors, nebulisers and TENS machines. The orthotic benefit shown is a guide only and benefits will differ according to the orthotic prescribed. A benefit is paid for state ambulance subscriptions when paid voluntarily but not as a state tax or levy. Benefit is $44 for family memberships. | |||
| Other treatments - check with your insurer |
Pensioner Concession Card and Healthcare Card holders are entitled to free clinically necessary ambulance transport. If you are not eligible for a concession and want to be covered, you can purchase insurance from a private health insurer or take out a subscription with the state ambulance service (https://www.ambulance.vic.gov.au/membership).
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.