From
22.41*

per week

*Weekly Single Rate with Direct Debit and 24.808% Rebate applied.

Excess options
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Healthy Start is a combined hospital and extras package, providing cover for treatment in a public hospital and restricted cover for treatment in a private hospital. It includes additional cover provided for treatment of injuries directly relating to an accident. This cover is suitable for singles, couples and families. An age-based discount may apply.

Latrobe's Basic Hospital provides cover in a shared ward in public hospital for all clinical categories. Restricted benefits will apply if you choose to be admitted to a private hospital and you will have significant out-of-pocket expenses.

 

What is covered in a public Hospital?

You are covered in a public hospital and can choose your own doctor.

Accommodation in a shared room

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.

In-hospital medical gap cover

Medicare pays 75% of the Medicare Benefit Schedule Fee for in-hospital medical charges and Latrobe pays the remaining 25%.

Just Ask!® medical gap cover

Additional medical benefits to reduce or eliminate the gap for in-hospital medical charges higher than the Medicare Benefit Schedule Fee.

Surgically implanted prostheses

All prostheses are covered in accordance with the Commonwealth Prostheses Listing.

 

What is not fully covered in a public hospital?

Treatment not covered by Medicare ie. procedures that do not have a benefit payable under the Medicare Benefit Schedule.

What is covered in a private hospital? 

You are covered in a shared or private room at a Participating Private Hospital for treatment of injuries directly relating to an accident. You are covered for the treatment of these injuries for up to 6 months from the date of the accident

What is not fully covered in a private hospital?

Restricted benefits will apply for all other admissions to a private hospital if treatment is not related to an accident and the reason for admission does not meet the criteria above. You will have significant out-of-pocket costs.

What you're covered for

Public hospital cover for all clinical categories. Cover for shared or private room in a Participating Private Hospital for treatment of injuries directly relating to an accident. You are covered for the treatment of these injuries for up to 6 months from the date of the accident.

What extras are you covered for?

With Healthy Start Basic Hospital Package you'll be covered for:

  • Limited general dental
  • Other dental - treatment resulting from accident
  • Mouth guards - supplied by a dentist or dental technician
  • Optical - Includes spectacles and repairs, contact lenses and optical prescription sunglasses

Therapies and services including:

  • Chiropractic
  • Chiropractic X-ray
  • Physiotherapy
  • Group physiotherapy / hydrotherapy
  • Osteopathy, podiatry
  • Pharmacy prescription

See Healthy Start Extras for more details

Important Information

Clinical categories are defined by the Department of Health.
Waiting periods may apply.