healthslips.com.au Policy Information

Latrobe Health Services

Healthy Start (Basic)

$281.68 / month

(Before Rebate, Discount & Loading)

Available in SA

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading or an insurer discount. Check with your insurer for details.

This policy covers: Two adults & dependants (3 or more people, only 2 of whom are adults).

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/J1/SBXX2D

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy exempts you from the Medicare Levy Surcharge.
  • This policy provides accident cover - check with insurer for details.
  • This policy does not provide benefits for travel or accommodation outside of hospital.
Covered
Restricted Cover
Not Covered
This policy includes cover for
Assisted reproductive services
Back, neck and spine
Blood
Bone, joint and muscle
Brain and nervous system
Breast surgery (medically necessary)
Cataracts
Chemotherapy, radiotherapy and immunotherapy for cancer
Dental surgery
Diabetes management (excluding insulin pumps)
Dialysis for chronic kidney failure
Digestive system
Ear, nose and throat
Eye (not cataracts)
Gastrointestinal endoscopy
Gynaecology
Heart and vascular system
Hernia and appendix
Hospital psychiatric services
Implantation of hearing devices
Insulin pumps
Joint reconstructions
Joint replacements
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Pain management with device
Palliative care
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Pregnancy and birth
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
Weight loss surgery

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.

The following payments may also apply for hospital admissions

Excess: No excess

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members

Waiting periods:

  • 2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
  • 12 months for other pre-existing conditions
  • 12 months for pregnancy and birth (obstetrics)
  • 2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

Benefits are payable for a shared or single room in any public hospital. Availability of single rooms in public hospitals cannot be guaranteed. If you elect to be admitted to a private room in a public hospital, we will pay a benefit equal to the Department of Health’s shared ward accommodation rate in a public hospital plus an additional amount of up to $80.00, and you may incur an out-of-pocket expense. Additional medical gap benefits are payable on this table.

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
Chiropractic 2

$250 per person up to $500 per policy

combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services

  • Initial visit: $26
  • Subsequent visit: $26
General dental 2

$500 per person up to $2,000 per policy

  • Fluoride treatment: $23.2
  • Scale & clean: $57.6
  • Periodic oral examination: $30.5
Major dental 12

Accident only cover, $250 per accident, maximum $500 per person, membership limit is $2000. Combined with General Dental.

  • Full crown veneered: $0
Non PBS pharmaceuticals 2

$250 per person up to $500 per policy

combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services

  • Per eligible prescription: $25
Optical 6

$150 per person

  • Multi-focal lenses & frames: $150
  • Single vision lenses & frames: $150
Osteopathy 2

$250 per person up to $500 per policy

combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services

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

$250 per person up to $500 per policy

combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services

  • Initial visit: $30
  • Subsequent visit: $30
Podiatry 2

$250 per person up to $500 per policy

combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services

  • Initial visit: $25
  • Subsequent visit: $25
Remedial massage 2

$250 per person up to $500 per policy

combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services

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

$250 per person up to $500 per policy

combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services

  • Per service: $25

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person up to $500 per policy}

{combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $26}

{Subsequent visit: $26}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $2,000 per policy}

Examples of maximum benefits

{Fluoride treatment: $23.2}

{Scale & clean: $57.6}

{Periodic oral examination: $30.5}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{Accident only cover, $250 per accident, maximum $500 per person, membership limit is $2000. Combined with General Dental. }

Examples of maximum benefits

{Full crown veneered: $0}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person up to $500 per policy}

{combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Per eligible prescription: $25}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $150}

{Single vision lenses & frames: $150}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person up to $500 per policy}

{combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person up to $500 per policy}

{combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person up to $500 per policy}

{combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person up to $500 per policy}

{combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Initial visit: $25}

{Subsequent visit: $25}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person up to $500 per policy}

{combined limit for chiropractic, non pbs pharmaceuticals, osteopathy, physiotherapy, podiatry, remedial massage, vaccinations & other services}

Examples of maximum benefits

{Per service: $25}

A benefit is also payable for a 50% 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.

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

Acupuncture
Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Chinese medicine
Dietetics/dietary advice
Endodontic
Exercise physiology
Eye therapy (orthoptics)
Health management / Healthy lifestyle
Hearing aids
Home nursing
Occupational therapy
Orthodontic
Orthotics (podiatric orthoses)
Psychology
Speech therapy

Ambulance cover

In SA 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

Healthy Start (Basic)

$281.68 / month

(Before Rebate, Discount & Loading)

Available in SA

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/J1/SBXX2D

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