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 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.

Extras with or without hospital cover
Not just for the lumps and bumps

Mention private health insurance and many people think about the likelihood of a trip to hospital. But in fact, you are much more likely to visit your dentist, be treated by a physiotherapist or head off to the optometrist for glasses when the world around you gets a little blurry. In record numbers, Australians are using the skills of alternative therapists to help them deal with the pressures of modern life.

You may need an asthma appliance, blood glucose monitor or perhaps a hearing aid, but no matter what your needs, from basic to extensive, Extras helps towards the cost of services that are so important to your health and wellbeing.

30% Rebate rates
effective 7 April 2008

Package	Weekly	Fortnightly	Monthly	Quarterly	Halfyearly	Yearly
D	$4.60	$9.20	$20.00	$59.44	$117.72	$230.63
E	$4.55	$9.10	$19.72	$58.55	$115.92	$227.12
P	$7.00	$14.00	$30.33	$90.04	$178.34	$349.43
PG	$16.15	$32.30	$70.05	$208.09	$411.99	$807.21
PP	$6.35	$12.70	$27.58	$81.96	$162.27	$317.98
PS	$2.95	$5.95	$12.87	$38.24	$75.79	$148.51

If you are 65 or older you may be eligible for a higher rebate.

30% Rebate rates including Direct Debit discount
effective 7 April 2008

Package	Weekly	Fortnightly	Monthly	Quarterly	Halfyearly	Yearly
D	$4.51	$9.03	$19.57	$58.83	$117.72	$230.63
E	$4.42	$8.89	$19.30	$57.96	$115.92	$227.12
P	$6.85	$13.70	$29.71	$89.14	$178.34	$349.43
PG	$15.83	$31.67	$68.64	$205.99	$411.99	$807.21
PP	$6.21	$12.48	$27.04	$81.13	$162.27	$317.98
PS	$2.91	$5.83	$12.60	$37.89	$75.79	$148.51

If you are 65 or older you may be eligible for a higher rebate.

Premier Gold (PG)

Premier Gold is the perfect choice if you want the very best extras cover available from Latrobe. It includes a very wide range of services, and the rebates are much higher than usual. On many services there's no limit to the amount you can claim, so it's ideal for larger families, or those who need ongoing treatment.

Premier Gold can be taken on its own or combined with your hospital cover.

Click here to view (PG) Premier Gold Benefits

Premier (P)

This is a broad ranging cover similar to but not quite so extensive as Premier Plus. Premier Extras is available as a stand alone cover.

Click here to view details of (P) Premier Extras

Premier Plus (PP)

When you combine Premier Extras with any Latrobe hospital table it becomes Premier Plus, with an additional five services covered.

Another 'plus' is that because you've taken a package of cover, we reward you by charging less for your extras than you would normally pay.

Premier Plus Extras is only available when combined with a hospital table

Click here to view details of (PP) Premier Plus Extras

Extras (E)

Includes a wide range of extra services but without dental cover. Extras can be taken alone, or combined with a hospital table.

Click here to view details of (E) Extras

Dental (D)

This cover is designed for people who want dental cover, without paying for other extras they don't want. Dental can be taken alone or combined with a hospital table. Orthodontic cover is provided under Premier Extras.

Click here to view details of (D) Dental

Premier Singles (PS)

These options provide cover for commonly used services, including general dental treatment, tailored to suit your stage of life. 

This table is only available if combined with a hospital cover.

Click here to view details of (PS) Premier Singles 

Ambulance is not a free service