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Singles Top Hospital CoverWise (X1 to X5)
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.
Top Hospital with CoverWise
Having the best hospital cover doesn't mean paying the highest price. Often you find that if you pay less you get less, but that's not the case when you join Latrobe.
Nobody comes with a lifetime guarantee. We don't believe you should gamble with your health by giving up cover for treatments you hope you won't need. Top Hospital with CoverWise options costs less only because you agree to pay a small amount towards the cost of hospital care if ever you should need it. Whichever you choose, the quality of your cover never reduces.
Singles CoverWise X1 to X5
With an Excess - 30% Rebate rates - effective 7 April 2008
| Package | Weekly | Fortnightly | Monthly | Quarterly | Halfyearly | Yearly | | X1 | $20.50 | $41.00 | $88.87 | $263.94 | $522.56 | $1,023.85 | | X2 | $18.35 | $36.75 | $79.60 | $236.48 | $468.15 | $917.25 | | X3 | $14.45 | $28.90 | $62.63 | $186.01 | $368.31 | $721.59 | | X4 | $12.35 | $24.70 | $53.53 | $159.00 | $314.77 | $616.73 | | X5 | $10.90 | $21.80 | $47.30 | $140.52 | $278.23 | $545.10 |
Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.
Singles CoverWise X1 to X5
With an Excess - 30% Rebate rates including Direct Debit discount - 7 April 2008
| Package | Weekly | Fortnightly | Monthly | Quarterly | Halfyearly | Yearly | | X1 | $20.06 | $40.17 | $87.08 | $261.28 | $522.56 | $1,023.85 | | X2 | $17.97 | $36.00 | $78.02 | $234.07 | $468.15 | $917.25 | | X3 | $14.13 | $28.32 | $61.34 | $184.13 | $368.31 | $721.59 | | X4 | $12.09 | $24.19 | $52.45 | $157.36 | $314.77 | $616.73 | | X5 | $10.68 | $21.37 | $46.34 | $139.09 | $278.23 | $545.10 |
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?
On a single membership, the excess is paid only once in any calendar year.
Top Hospital CoverWise (X1) $150 excess
Top Hospital CoverWise (X2) $250 excess
Top Hospital CoverWise (X3) $500 excess
Top Hospital CoverWise (X4) $750 excess
Top Hospital CoverWise (X5) $1000 excess
In much the same way you claim on your motor or householders insurance, the excess is deducted from the cost of your hospital stay - you pay your excess and Latrobe pays the rest. If the cost of the hospital stay is less than your excess, you pay it all and there is no claim from Latrobe. If you don't pay the excess in full on that admission, it will apply again in full on your next admission.
However, unlike your car or home insurance, you only pay the excess once in any calendar year, even if you are admitted to hospital again.
Note: Do not chooseTop Hospital CoverWise X4 and X5 if you are affected by the Medicare Levy Surcharge described in our Important Information page.
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
Top Hospital CoverWise can be combined with any extras tables to complete your total "Health Care Package"
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