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.

If you're a healthy young single getting plenty of exercise, it's more likely that you'll need private hospital cover because of an accident than because you're ill. Healthy Start is the ideal package of hospital cover with some important extras built in, to suit your health cover needs and your budget.

Healthy Start (ST)
30% Rebate rates - effective 7 April 2008

Package	Weekly	Fortnightly	Monthly	Quarterly	Halfyearly	Yearly
ST	$12.45	$24.90	$53.98	$161.95	$323.95	$647.90

Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.

How does the hospital cover work?

Healthy Start covers you fully in a participating private hospital only for the following treatments:

• Accidents - hospitalisation resulting from an accident (Refer to definition of accident in Important Information)
• Knee operations - arthroscopy and meniscectomy
• Removal of your tonsils, adenoids or wisdom teeth
• Dilation and curette where no other procedure is performed

For everything else, you're covered in a public hospital and you can choose your own medical specialists.

Private or shared room
It's your choice; just let the hospital know when you make the booking. (Subject to availability)

Accommodation charges
Includes your room, nursing care, theatre fees, intensive care and recovery wards, medicines and drugs required as part of your treatment.

Day procedures
These now account for more than half of all hospital treatment, such as knee arthroscopies.

Home nursing (in lieu of hospital care)
If your doctor agrees that you would be better off at home than in hospital, a qualified nurse can visit your home to provide medical services and care such as changing dressings. The benefit: $50 each day, for 10 days.

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

Cell Saver and Autologous Blood Collections
Procedures that use your own blood during operations.

What does Healthy Start cover in a Latrobe participating private hospital for all other procedures?

Default accommodation benefits only but not theatre fees.

And no matter where you go or for what treatment

In-hospital medical cover - Gap benefits
Medicare rebates 75% of the Medicare Schedule fee for in-hospital medical charges, Latrobe rebates the remaining 25%.

Just Ask!
No gap, or known gap cover for in-hospital medical charges higher than the Medicare Schedule Fee.

What does Healthy Start cover in a public hospital?

Accommodation
In a shared ward. Includes your room, nursing care, intensive care and recovery wards, medicines and drugs required as part of your treatment.

In-hospital medical cover - Gap benefits
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.

Cover Details For services provided in Australia by a Latrobe approved practitioner in private practice	Maximum Benefit	Single Membership Limit
Selected General Dental Specified items including diagnostics, most preventive services, extractions, restorations Year 1 Limit Year 2 + Limit Other dental treatment resulting from an accident	$250	$200 $500 Per Accident
Chiropractic and Osteopathy Initial consultation Susequent consultations Chiropractic X-rays Combined limit	$25 $17 $28	One $250
Physiotherapy Initial consultation Susequent consultations	$25 $17	$300
Optical Includes spectacles & repairs, contact lenses Excludes sunglasses not containing an optical prescription Combined limit	$125	$125
Mouth Guards supplied by a dentist or dental technician	$55	$55
Ambulance subscription rebate When paid voluntarily, but not as a state tax or levy	$22 single
Travel Insurance Discount On policies purchased through Latrobe		25%

Healthy Start Extras is not available without Healthy Start hospital.

Notes: All limits apply to a calendar year. A set benefit is paid for dental benefits, depending on the dental treatment item number. Remedies, appliances and equipment are not covered unless specified.

Click here to view list of participating hospitals

Click here to download application form