Private or shared room

In a private or a public hospital, it’s your choice. Private rooms are subject to availability on admission.

Accommodation charges

Covers your room, theatre, intensive care, labour and recovery ward fees, medicines and drugs clinically required as part of your in-patient treatment.

365 days accommodation cover

For admissions longer than 35 consecutive days, your cover continues when your doctor provides an ongoing Acute Care Certificate.

Day procedures

These now account for more than half of all hospital treatment, such as knee arthroscopies, chemotherapy and cataract surgery.

Surgically implanted prostheses

All prostheses are covered in accordance with the Commonwealth Prostheses Listing.

Major surgery

Coronary/heart procedures, joint replacement, cataract surgery are just some of the major procedures covered.

Obstetric related services

In-patient services directly related to childbirth such as antenatal services, complications of pregnancy, delivery and post natal care.

Assisted reproductive services

Various treatments available to assist conception, such as IVF and GIFT.

Psychiatric care

In-hospital treatment and programs for mental disorders.

Rehabilitation

Treatment to restore self-sufficiency following an illness or injury usually in specialist centres and hospitals.

Supported discharge

The supported discharge program is designed to provide an alternative to inpatient bed days. This program provides a wide range of services that assist policy holders to be discharged from hospital to a safe and supported environment.

Private midwife at a hospital birth

Services of a qualified private midwife instead of an obstetrician. Up to $450 per hospital birth.

Your personal comforts

In participating private hospitals your cover includes the cost of local phone calls and TV hire.

Autologous blood collections

Enables the use of your own blood during operations.

In-hospital medical gap cover

Medicare rebates 75% of the Medicare Schedule Fee for in-hospital medical charges and Latrobe rebates the remaining 25%.

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Additional medical benefits to reduce or eliminate the gap for in-hospital medical charges higher than the Medicare Schedule Fee.

Treatment not covered by Medicare ie. procedures that do not have a benefit payable under the Medicare Benefit Schedule. Refer to non-Medicare covered treatments. Accommodation charges may not be fully covered in a non-participating private hospital