Choosing the right cover
Before you start, it's essential that you understand the 'rules' that apply to private health cover. Because these rules affect all health cover options, you must read and retain all information provided in the Important Information page.
If you have any questions at all about what the terms and conditions mean or how they might affect you, please call us on 1300 362 155.
Loyal Members hospital cover rewards your loyalty
Latrobe values your loyalty, and rewards your continuing membership on Loyal Members hospital cover. You have the security of our best hospital cover, with a reducing excess so that the cover is more affordable. You may never need to pay the excess, but you always pay lower premiums.
Loyal Members (LM)
30% Rebate rates - effective 7 April 2008
| Package | Weekly | Fortnightly | Monthly | Quarterly | Halfyearly | Yearly |
| LM | $37.15 | $74.30 | $161.05 | $478.34 | $947.08 | $1,855.50 |
Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.
Loyal Members (LM)
30% Rebate rates including Direct Debit discount - effective 7 April 2008
| Package | Weekly | Fortnightly | Monthly | Quarterly | Halfyearly | Yearly |
| LM | $36.38 | $72.82 | $157.84 | $473.54 | $947.08 | $1,855.50 |
Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.
How does the excess work?
If you go to hospital, you pay an excess towards the cost of the admission. Your reward is that for each year you have Loyal Members cover, the amount of the excess reduces. After just four years, there is no excess to pay at all, even if you have claims.
Families pay the excess only for the first two hospital episodes in any membership year.
This is how the excess reduces
- Year 1 $300
- Year 2 $250
- Year 3 $200
- Year 4 $150
From then onwards, no excess at all
And of course, you'll always continue to enjoy the benefits of our best cover at a substantially lower cost.
When the hospital cost is less than your excess:
You must pay all hospital and medical costs for your treatment. This does not count towards your excess if you have subsequent hospital treatment in that membership year.
What is covered and what should I know?
Private or shared room
In a private or a public hospital, it's your choice; just let the hospital know when you make the booking. Private rooms are subject to availability on admission
Accommodation charges
Covers your room, theatre, intensive care, labour and recovery ward fees, medicines and drugs required as part of your hospital 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 listed on the Commonwealth Prostheses Schedule are covered
Major surgery
Coronary/heart procedures, joint replacement, cataract surgery are just some of the major procedures covered
Obstetrics related services
In-patient services directly related to childbirth such as antenatal services, complications of pregnancy, delivery itself and post natal care
Assisted reproductive services
Various treatments available to assist conception, such as IVF and GIFT
Psychiatric care
In-hospital treatment and prevention of mental disorders
Rehabilitation
Treatment to restore self-sufficiency following an illness or injury usually in specialist centres and hospitals
Home nursing in lieu of hospital care
With medical approval, a qualified nurse provides medical services and care such as changing dressings. Up to $50 a day, for 10 days
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
The cost of local phone calls and TV hire are included at participating hospitals
Cell Saver and autologous blood collections
Procedures that use your own blood during operations
Elective surgery
Limited benefits may apply, call Latrobe for details if you need this treatment
In-hospital medical gap cover
Medicare rebates 75% of the Medicare Schedule Fee for in- hospital medical charges, and Latrobe rebates the remaining 25%
Just Ask!
No gap, or known gap cover for in-hospital medical charges higher than the Medicare Schedule Fee
To complete your health cover package Loyal Members can be combined with any Extras cover.
Click here to view list of participating hospitals
Click here to download application form
Click here to view extras
Information in this document is correct as at 7 April 2008, and may be subject to change without notice. For full details on any information please call 1300 362 155 or refer to our current policy document. All products referred to herein are trademarks or registered trademarks of Latrobe Health Services Inc.
