healthslips.com.au Policy Information

Latrobe Health Services

Core Complete Extras Package

$88.07 / month

(Before Rebate, Discount & Loading)

Available in VIC

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: One adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult).

Children (0 - 17), non-classified* dependant (18 - 20), students (21 - 31) and non-students (21 to 31), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-student in these age ranges. *Non-classified dependant: A person who is between the ages of 18 & 20 who does not have a spouse or partner.

Policy ID: LHS/I1/VBKD1Y

Source: Private Health Information Statement (PHIS)

Extras Cover

This policy must be purchased with a hospital policy.

This health insurer does not operate a preferred provider scheme.

This policy includes General treatment (Extras) cover for
Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 2

$300 per person up to $600 per policy

combined limit for acupuncture, dietetics/dietary advice, remedial massage & other services

  • Initial visit: $36
  • Subsequent visit: $36
Audiology 2

$300 per person up to $600 per policy

combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations

  • Initial visit: $25
  • Subsequent visit: $25
Blood glucose monitors 12

$200 per person up to $400 per policy

  • Per monitor: 70% of charge
Chiropractic 2

$300 per person up to $600 per policy

combined limit for chiropractic, osteopathy & physiotherapy

  • Initial visit: $36
  • Subsequent visit: $36
Dietetics/dietary advice 2

$300 per person up to $600 per policy

combined limit for acupuncture, dietetics/dietary advice, remedial massage & other services

  • Initial visit: $36
  • Subsequent visit: $36
Endodontic 2

$1,000 per person up to $2,000 per policy

combined limit for endodontic, general dental & major dental

  • Filling of one root canal: $109.8
Eye therapy (orthoptics) 2

$300 per person up to $600 per policy

combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations

  • Initial visit: $25
  • Subsequent visit: $25
General dental 2

$1,000 per person up to $2,000 per policy

combined limit for endodontic, general dental & major dental

  • Fluoride treatment: $36
  • Scale & clean: $57.6
  • Surgical tooth extraction: $104.3
  • Periodic oral examination: $30.5
Health management / Healthy lifestyle 12

$500 per person

  • Health management: 70% of charge
Hearing aids 12

$500 per person

  • Hearing aid: 70% of charge
Home nursing 2

$300 per person up to $600 per policy

combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations

  • Initial visit: $24
  • Subsequent visit: $24
Major dental 12

$1,000 per person up to $2,000 per policy

combined limit for endodontic, general dental & major dental

  • Full crown veneered: $556.8
Non PBS pharmaceuticals 2

$300 per person up to $600 per policy

combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations

  • Per eligible prescription: $35
Occupational therapy 2

$300 per person up to $600 per policy

combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations

  • Initial visit: $25
  • Subsequent visit: $25
Optical 6

$200 per person

  • Multi-focal lenses & frames: $200
  • Single vision lenses & frames: $200
Orthodontic 12

$600 per person

$1,800 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $1800
Orthotics (podiatric orthoses) 2

$300 per person

combined limit for orthotics (podiatric orthoses) & podiatry

  • Orthotics supply & fit: $70
Osteopathy 2

$300 per person up to $600 per policy

combined limit for chiropractic, osteopathy & physiotherapy

  • Initial visit: $36
  • Subsequent visit: $36
Physiotherapy 2

$300 per person up to $600 per policy

combined limit for chiropractic, osteopathy & physiotherapy

  • Initial visit: $45
  • Subsequent visit: $45
Podiatry 2

$300 per person

combined limit for orthotics (podiatric orthoses) & podiatry

  • Initial visit: $25
  • Subsequent visit: $25
Psychology 2

$300 per person

  • Initial visit: $50
  • Subsequent visit: $50
Remedial massage 2

$300 per person up to $600 per policy

combined limit for acupuncture, dietetics/dietary advice, remedial massage & other services

  • Initial visit: $36
  • Subsequent visit: $36
Speech therapy 2

$300 per person up to $600 per policy

combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations

  • Initial visit: $25
  • Subsequent visit: $25
Vaccinations 2

$300 per person up to $600 per policy

combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations

  • Per service: $35

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for acupuncture, dietetics/dietary advice, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $36}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

Examples of maximum benefits

{Per monitor: 70% of charge}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for chiropractic, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $36}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for acupuncture, dietetics/dietary advice, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $36}

Endodontic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person up to $2,000 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Filling of one root canal: $109.8}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person up to $2,000 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Fluoride treatment: $36}

{Scale & clean: $57.6}

{Surgical tooth extraction: $104.3}

{Periodic oral examination: $30.5}

Health management / Healthy lifestyle

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Health management: 70% of charge}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

Examples of maximum benefits

{Hearing aid: 70% of charge}

Home nursing

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations}

Examples of maximum benefits

{Initial visit: $24}

{Subsequent visit: $24}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person up to $2,000 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Full crown veneered: $556.8}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $35}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $200}

{Single vision lenses & frames: $200}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$600 per person}

{$1,800 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $1800}

Orthotics (podiatric orthoses)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for orthotics (podiatric orthoses) & podiatry}

Examples of maximum benefits

{Orthotics supply & fit: $70}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for chiropractic, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $36}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for chiropractic, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for orthotics (podiatric orthoses) & podiatry}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for acupuncture, dietetics/dietary advice, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $36}

{Subsequent visit: $36}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{combined limit for audiology, eye therapy (orthoptics), home nursing, non pbs pharmaceuticals, occupational therapy, speech therapy & vaccinations}

Examples of maximum benefits

{Per service: $35}

Periodic Oral Examination - $60 for 1 service, $30.50 for additional services. Scale and clean - $120 for 1 service, $57.60 for additional services. Fluoride Treatment - $36 for 2 services, limit 2 services per person per year. A benefit is also payable for myotherapy, Health Appliances & Aids, such as crutches, knee brace, splint, cam boot, CPAP or TENS machine, non surgically implanted prosthesis, health screenings and a 50% rebate on full ambulance subscriptions when paid voluntarily but not as a state tax or levy. Orthodontic benefits increase with years of membership. The orthotic benefit shown is a guide only and benefits will differ according to the orthotic prescribed. Vaccinations are for travel vaccines and must be approved by Latrobe.

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes
Chinese medicine
Exercise physiology

Ambulance cover

In VIC this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

For further information about this policy see: https://www.latrobehealth.com.au/health-cover/emergency-ambulance-cover/

Insurer Details

Latrobe Health Services

Core Complete Extras Package

$88.07 / month

(Before Rebate, Discount & Loading)

Available in VIC

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/LHS/I1/VBKD1Y

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