From
23.75*

per week

*Weekly Single Rate with Direct Debit and 24.608% Rebate applied.

Excess options
Get a Quote

A cover designed for hospitalisations resulting from accidents plus basic extras cover for general dental, accident-related major dental, optical, physio, remedial massage and chiro. Designed for sports lovers, thrill seekers and those who live life to its fullest ‘just in case’.

Features

  • Affordable private hospital cover for the treatment of injuries as a result of an accident for up to six months following the accident
  • Cover for treatment of injuries and illnesses as a private patient in a public hospital, which includes choice of doctor
  • Basic extras including general dental, accident related major dental, optical, physio, remedial massage and chiro
  • Unlimited emergency ambulance transport.

For more information, download our Healthy Start Fact Sheet.

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.