Get clear, simple guidance on choosing the right hospital cover—understand tiers, costs, inclusions, waiting periods, and government incentives like LHC and age‑based discounts.

Access Gap Cover helps Latrobe Health members reduce or eliminate out‑of‑pocket costs for in‑hospital medical services, offering no‑gap or capped known‑gap fees, simplified billing, and clear up‑front cost estimates for eligible procedures.