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Singles Healthy Start
If you're a young active single, Healthy Start is a package of hospital cover and some important extras to suit your needs and budget
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.
You have two levels of hospital cover – private and public
Cover in a private hospital - restricted only to the procedures listed below
You are covered in a private hospital only for these treatments:
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Knee operations – arthroscopy and meniscectomy
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Removal of appendix, tonsils, adenoids or wisdom teeth
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Dilation and curette where no other procedure is performed
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Any immediate treatment as a result of an accident. This does not include any subsequent treatment.
Default benefits will apply to the cost of any other medical treatment not listed above.
Healthy Start (ST)
30% Rebate rates - effective 1 April 2010
| Product | Weekly | Fortnightly | Monthly | Quarterly | Halfyearly | Yearly | | ST | $13.76 | $27.57 | $59.75 | $179.30 | $358.65 | $717.35 |
Lifetime Health Cover loadings may apply. If you are 65 or older you may be eligible for a higher rebate.
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What is covered in a private hospital? |
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Cover in a private hospital - for accidents and the procedures specified above |
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Private or shared room
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It’s your choice; just let the hospital know when you make the booking (subject to availability).
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Accommodation charges
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Covers your room, theatre, intensive care and recovery ward fees, medicines and drugs clinically required as part of your in-patient treatment.
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Day procedures
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These now account for more than half of all hospital treatment, such as knee arthroscopies.
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Supported discharge
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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.
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Your personal comforts
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In participating private hospitals your cover includes the cost of local phone calls and TV hire.
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Autologous Blood Collections
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Enables the use of your own blood during operations.
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In-hospital medical gap cover
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Medicare rebates 75% of the Medicare Schedule Fee for in-hospital medical charges and Latrobe rebates the remaining 25%.
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Just Ask!®
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Additional medical benefits to reduce or eliminate the gap for in-hospital medical charges higher than the Medicare Schedule Fee. Refer to Page 21 of this brochure for more information.
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What is not fully covered in a private hospital? |
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Default benefits will apply to the cost of any medical treatment, other than for the procedures specified above.
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Procedures in a private hospital for secondary treatment of an accident.
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What is covered in hospital? |
Cover in a public hospital for all procedures
You're covered in a public hospital and you can choose your own doctor |
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Accommodation in a shared room
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Covers your room, theatre, intensive care and recovery ward fees, medicines and drugs clinically required as part of your in-patient treatment.
Cover is for a shared room; if you choose a private room, you will pay the extra cost. Otherwise, all your hospital charges will be covered for all procedures.
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Cover in all hospitals for all procedures |
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In-hospital medical gap cover
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Medicare rebates 75% of the Medicare Schedule Fee for in-hospital medical charges and Latrobe rebates the remaining 25%.
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Just Ask!®
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Additional medical benefits to reduce or eliminate the gap for in-hospital medical charges higher than the Medicare Schedule Fee.
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Surgically implanted prostheses
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All prostheses are covered in accordance with the Commonwealth Prostheses Listing.
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What is not fully covered in hospital? |
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Extras Cover Details
For services provided in Australia by a Latrobe
approved practitioner in private practice
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Maximum Benefit
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Single
Membership
Limit
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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
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$250
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$200
$500
Per Accident
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Chiropractic and Osteopathy
Initial consultation
Susequent consultations
Chiropractic X-rays
Combined limit
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$25
$17
$28
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One
$250
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Physiotherapy
Initial consultation
Susequent consultations |
$25
$17
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$300 |
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Optical
Includes spectacles & repairs, contact lenses
Excludes sunglasses not containing an optical
prescription
Combined limit
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$125
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$125
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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 |
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Travel Insurance Discount
On policies purchased through Latrobe |
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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
Information in this document is correct as at 1 April 2010, 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 Limited
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