Why has Latrobe Health sent me a Private Health Information Statement with my premium review?

Your premium letter or email will include your Private Health Insurance Statement (PHIS) as it is a Federal Government requirement that every year we send you a copy. The PHIS outlines your cover with a list of what is and is not covered as well as your waiting periods and limits for the year.

The premiums shown on the PHIS may differ from the premium in your letter. This is because the PHIS displays the standard premium only. It does not include any government rebate, Lifetime Health Cover loading or age-based discounts, which may apply to your policy and change the amount you pay.

For those who have an Ambulance Victoria membership as part of your cover, the PHIS also excludes this amount if this applies to you, the product code at the top of this letter will include an “A”.

For more information on the age-based discount, Lifetime Health Cover loading and/or the Australian Government Private Health Insurance Rebate, head privatehealth.gov.au.