healthslips.com.au Policy Information

Latrobe Health Services

Premier Families Extras

$172.20 / month

(Before Rebate, Discount & Loading)

Available in QLD

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 (2 or more people, only one of whom is an adult).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 31), as well as persons with a disability who qualify as a child, non-classified* dependant and 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/I19/QCDA1D

Source: Private Health Information Statement (PHIS)

Extras Cover

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

$400 per person up to $1,200 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice & remedial massage

  • Initial visit: $45
  • Subsequent visit: $45
Ante-natal/Post-natal classes 2

$550 per person up to $1,650 per policy

combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services

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

$425 per person up to $1,275 per policy

combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $40
  • Subsequent visit: $40
Blood glucose monitors 12

$500 total all appliances every 2 years

combined limit for blood glucose monitors & hearing aids

  • Per monitor: 65% of charge
Chinese medicine 2

$400 per person up to $1,200 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice & remedial massage

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

$550 per person up to $1,650 per policy

combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services

  • Initial visit: $45
  • Subsequent visit: $45
Dietetics/dietary advice 2

$400 per person up to $1,200 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice & remedial massage

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

$1,000 per person

combined limit for endodontic & general dental

  • Filling of one root canal: $145
Exercise physiology 2

$550 per person up to $1,650 per policy

combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services

  • Initial visit: $45
  • Subsequent visit: $45
Eye therapy (orthoptics) 2

$425 per person up to $1,275 per policy

combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $40
  • Subsequent visit: $40
General dental 2

$1,000 per person

combined limit for endodontic & general dental

  • Fluoride treatment: $27
  • Scale & clean: $75
  • Surgical tooth extraction: $140
  • Periodic oral examination: $42
Health management / Healthy lifestyle 12

$250 per person

  • Health management: 65% of charge
Hearing aids 12

$500 total all appliances every 2 years

combined limit for blood glucose monitors & hearing aids

  • Hearing aid: 65% of charge
Major dental 12

$875 per person

  • Full crown veneered: $680
Non PBS pharmaceuticals 2

$340 per person up to $1,020 per policy

  • Per eligible prescription: $50
Occupational therapy 2

$425 per person up to $1,275 per policy

combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $40
  • Subsequent visit: $40
Optical 6

$250 per person

  • Multi-focal lenses & frames: $250
  • Single vision lenses & frames: $250
Orthodontic 12

$750 per person

$2,400 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $750
Orthotics (podiatric orthoses) 2

$400 per person up to $1,200 per policy

combined limit for orthotics (podiatric orthoses) & podiatry

  • Orthotics supply & fit: 65% of charge
Osteopathy 2

$550 per person up to $1,650 per policy

combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services

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

$550 per person up to $1,650 per policy

combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services

  • Initial visit: $50
  • Subsequent visit: $50
Podiatry 2

$400 per person up to $1,200 per policy

combined limit for orthotics (podiatric orthoses) & podiatry

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

$450 per person up to $1,350 per policy

  • Initial visit: $60
  • Subsequent visit: $60
Remedial massage 2

$400 per person up to $1,200 per policy

combined limit for acupuncture, chinese medicine, dietetics/dietary advice & remedial massage

  • Initial visit: $45
  • Subsequent visit: $45
Speech therapy 2

$425 per person up to $1,275 per policy

combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy

  • Initial visit: $40
  • Subsequent visit: $40

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $1,200 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice & remedial massage}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Ante-natal/Post-natal classes

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person up to $1,650 per policy}

{combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Audiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$425 per person up to $1,275 per policy}

{combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 total all appliances every 2 years}

{combined limit for blood glucose monitors & hearing aids}

Examples of maximum benefits

{Per monitor: 65% of charge}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $1,200 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice & remedial massage}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person up to $1,650 per policy}

{combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $1,200 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice & remedial massage}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Endodontic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for endodontic & general dental}

Examples of maximum benefits

{Filling of one root canal: $145}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person up to $1,650 per policy}

{combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Eye therapy (orthoptics)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$425 per person up to $1,275 per policy}

{combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per person}

{combined limit for endodontic & general dental}

Examples of maximum benefits

{Fluoride treatment: $27}

{Scale & clean: $75}

{Surgical tooth extraction: $140}

{Periodic oral examination: $42}

Health management / Healthy lifestyle

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Health management: 65% of charge}

Hearing aids

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 total all appliances every 2 years}

{combined limit for blood glucose monitors & hearing aids}

Examples of maximum benefits

{Hearing aid: 65% of charge}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$875 per person}

Examples of maximum benefits

{Full crown veneered: $680}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$340 per person up to $1,020 per policy}

Examples of maximum benefits

{Per eligible prescription: $50}

Occupational therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$425 per person up to $1,275 per policy}

{combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $250}

{Single vision lenses & frames: $250}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$750 per person}

{$2,400 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $750}

Orthotics (podiatric orthoses)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $1,200 per policy}

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

Examples of maximum benefits

{Orthotics supply & fit: 65% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person up to $1,650 per policy}

{combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$550 per person up to $1,650 per policy}

{combined limit for ante-natal/post-natal classes, chiropractic, exercise physiology, osteopathy, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $1,200 per policy}

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

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$450 per person up to $1,350 per policy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $60}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $1,200 per policy}

{combined limit for acupuncture, chinese medicine, dietetics/dietary advice & remedial massage}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $45}

Speech therapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$425 per person up to $1,275 per policy}

{combined limit for audiology, eye therapy (orthoptics), occupational therapy & speech therapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Periodic Oral Examination - 2 free up to $60 and $42 for additional services. Scale and clean - 2 free up to $120 and $75 for additional services. Fluoride Treatment - 2 free up to $36 and $27 for additional services. A benefit is also payable for myotherapy, Chinese medicine, health appliances & aids such as CPAP or TENS machine, crutches, knee braces, splints, cam boot, medical gases, nebuliser, asthma and peak flow meters, immunotherapy, skin prick test, EpiPen, infant sleep school, Australian breast feeding association, school accident top up, wheelchair hire, QUIT course, nicotine replacement, travel for medical outpatient visits and a 100% rebate on full ambulance subscriptions when paid voluntarily but not as a state tax or levy. When coupled with a hospital cover a benefit bonus will also accumulate.

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

Home nursing
Vaccinations

Ambulance cover

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

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

Insurer Details

Latrobe Health Services

Premier Families Extras

$172.20 / month

(Before Rebate, Discount & Loading)

Available in QLD

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/I19/QCDA1D

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