We make switching easy
Looking for a private health insurer that puts you first and makes life simple?
We recognise waits already served with your previous fund (see waiting periods), and we’ll do the paperwork for you!
Transferring your cover
It's easy to transfer your cover - you can get a quote online or get in touch with our Contact Centre on 1300 362 144 to discuss your options.
When you make the switch to Latrobe Health, you don't have to re-serve waiting periods you've already served with your existing fund. You have continuous cover for the entitlements you had with your previous fund when:
- You transfer within 30 days of your existing policy’s expiry, and
- You have served the required waiting periods with the other fund. If you've served part of the waiting period, you must serve the remaining period with Latrobe Health before you are eligible to claim.
If you transfer to Latrobe Health and upgrade your cover, you are entitled to the lower benefits paid by the previous fund or Latrobe Health's closest similar cover until you've served the relevant waiting periods on the upgrades.
Every health fund requires you to serve waiting periods before you can claim on either your hospital or extras cover.
When you join Latrobe Health, you are covered immediately for treatment required as a result of an accident that occurs. For all other treatments or services, you must serve a waiting period. This is a specified time you must wait after joining before you can claim benefits under your hospital or extras cover. These waiting periods apply to new members starting private health cover and to existing members upgrading their cover.
An upgrade to your cover is any change that entitles you to receive higher benefits, including
- A higher rebate for a particular service
- Cover for services not included in your previous level of cover
- Changing to a hospital cover with a lower, or no, excess.
12 months waiting period applies to: pre-existing conditions (excluding psychiatric, rehabilitation and palliative care), major dental and orthodontic treatment, optical, blood glucose monitors, blood pressure monitors, compressor pumps and nebulisers, hearing aids, C-PAP machines, TENS machines and non-surgically implanted prostheses.
12 months waiting period also applies to: pregnancy and birth. The expected delivery date must be after the completion of a 12 month waiting period. Written confirmation of expected delivery date is required from the treating obstetrician.
3 months: general dental treatment, mouthguards
2 months: all other services
Why choose 'the health fund with heart'?
As a not-for-profit private health insurer, we care for our members and give back to the community. Around 90c in every dollar we receive in premiums is used to pay our members' claims and our award-winning hospital and extras covers provide flexibility and affordability to suit a range of needs and budgets. Join us and you'll discover the Latrobe Health difference.
Find out more